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.

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:

  1. Commercial general liability insurance
  2. 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

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!

An Important Update About Bullfrog Insurance 

Please be aware that due to a change in our operations, Bullfrog Insurance has made the difficult decision to start winding down our business. This means we are no longer accepting new clients. 

Are you an existing Bullfrog Insurance client? Rest assured that your coverage remains valid, and you’ll continue to be protected up until your policy expiry date. Watch your inbox for more details from our team.