Insurance for Medical Clinics
While you make a positive difference in the lives of your patients, we want to make your life a little easier. That’s why Bullfrog offers instant coverage, rockstar treatment, and no bull. You can get commercial general liability insurance for medical clinics quickly and conveniently. Protect your medical clinic with great coverage and competitive prices.
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How to Get Medical Clinic Insurance Quotes
It’s simple to get a medical clinic insurance quote from Bullfrog:
- Enter your profession.
- Fill in your contact info and postal code.
- Answer a few questions about your medical clinic.
- Choose your coverage.
- View your quotes!
The whole process to get a quote for medical clinic insurance takes 5 minutes.
How to Purchase Insurance for a Medical Clinic
If you want to take the next step and purchase insurance for your medical clinic from Bullfrog, simply select the quote you’d like to continue with and pay online.
Once you’ve paid, you’re insured! We’ll email a copy of your policy documents right away.
What affects medical clinic insurance rates?
The following factors can affect medical clinic insurance rates:
- Where your medical clinic operates
- The number of employees your clinic has
- Your medical clinic’s annual revenue
- Your insurance history
- Your insurance options
Got any more questions? Reach out to our experienced Bullfrog Insurance brokers and they can deliver the answers.
What is medical clinic insurance?
Bullfrog Insurance provides commercial general liability coverage for medical clinics. This insurance protects you, your employees and your business if you’re sued for causing bodily injury or property damage due to negligent acts.
We can also provide property coverage for your medical clinic’s equipment.
Please Note: Our coverage does not include protection for medical malpractice.
What’s covered by medical clinic insurance?
Bullfrog Insurance offers two areas of coverage for medical clinics:
- Commercial general liability insurance
- Property Insurance
Commercial General Liability Insurance for Medical Clinics
Commercial general liability coverage for medical clinics covers you, your employees and your company if you are sued for causing property damage or bodily injury to a third party due to negligent acts. Here are some key definitions:
- Bodily injury – physical harm to an individual’s body.
- Property Damage – physical damage or destruction of property.
- Negligent Acts – a failure to exercise appropriate care.
- Third party – someone who is not employed by your medical clinic such as a client, vendor, or random passersby.
This protection can help cover your legal expenses, including defense costs, judgement awards, and settlements. This applies whether your medical clinic is at fault or not.
Let’s say a patient slips and falls while leaving your office. They could sue you for damages including medical bills, lost wages, and pain and suffering. Commercial general liability coverage could help your medical clinic cover costs associated with this lawsuit.
We offer a few levels of coverage to choose from for medical clinics:
- $2 million
- $3 million
- $4 million
- $5 million
When choosing the amount of protection you need, consider the following:
- Where your medical clinic operates
- The number of employees you have
- Your annual revenue
- The likelihood of a lawsuit and expected expense of a lawsuit
Property Insurance for Medical Clinics
Property coverage for medical clinics includes coverage for the tools, equipment and other property belonging to your business. If this property is damaged by an insured peril, this coverage will cover the repair or replacement.
What’s an insured peril? It’s anything that causes damage that will be covered by insurance such as fire and theft.
Bullfrog offers two levels of optional property coverage for medical clinics:
- $10,000
- $20,000
To choose the right amount of protection for your business, consider how much it would cost to replace the clinic’s equipment and other property.
What isn’t covered by medical clinic insurance?
Insurance is designed to reduce the financial impact of specific unexpected events. Your policy documents will outline any exclusions, but we’ll discuss the major ones here.
It’s important to remember that commercial general liability insurance for medical clinics only covers liability related to causing injury or property damage due to negligent acts to third parties. This means this area of protection doesn’t cover medical malpractice liability, injury or property damage to employees, financial loss caused by your service or advice, or damage to your company’s property.
As for your property coverage with Bullfrog, keep in mind that not every cause of damage is covered. For example, wear and tear, earthquakes, and sewer backup and flooding aren’t covered by this insurance.
Why do medical clinics need insurance?
Like any business, medical clinics can be sued if someone gets hurt or has their property damaged due to an employee’s or the company’s negligent acts. Insurance can help cover the costs of such a lawsuit.
You may also be contractually required to carry commercial general liability coverage.
As for the property portion of the insurance, this coverage helps you replace your medical clinic’s equipment and other belongings. Without this protection, you would need to pay out of pocket.
The Cost of Insurance for Medical Clinics
The cost of insurance for medical clinics starts at $500 to $1000/year or $42 to $84/month, depending on the insurance company.
Where we offer
Locations where we currently offer medical clinics insurance in Canada:
- Alberta
- Calgary
- Edmonton
- Lethbridge
- Red Deer
- British Columbia
- Burnaby
- Richmond
- Surrey
- Vancouver
- Victoria
- Ontario
- Brampton
- Hamilton
- Mississauga
- Ottawa
- Toronto
Why our customers love Bullfrog
Our customers love Bullfrog because we make insurance simple. Do it quickly online yourself or talk to one of our knowledgeable insurance brokers. We’re responsive and professional and our insurance coverage is quality and competitively priced.
G. Lauzon
Greenfoot.ca
I love dealing with Bullfrog Insurance. Their account executives are very knowledgeable and think outside the box. Service is super fast too. Thanks Bullfrog!
Sev Michaels
White Lilac INC.
Thank you so much for your assistance, you made the process so painless. I have contacted other brokers before and they made it so complicated. Also, you were far more efficient!