When you talk about insurance for healthcare facilities, it’s important to understand how solid risk management and claims control plans fit into the insurance protection equation. At Ochsner Insurance, we specialize in insurance for healthcare facilities, so whether you run a senior care facility, doctors office, dental practice, chiropractic office, therapy business, or any other kind of healthcare service, we have the products and expertise to help you.
Whether you manage a large medical campus, an outpatient surgery center, a dental practice, or a home healthcare network, you face unique risks every single day. We’re here to help you protect your people, your property, and your patients with insurance solutions tailored specifically for healthcare.
Our Recommended Coverages for Healthcare Facilities
- General Liability & Commercial Property
Covers the everyday risks and physical assets of your facility.
- Protects against visitor injuries and property damage claims.
- Covers your building, medical equipment, and business personal property.
- Available as stand-alone coverage or in a Business Owner’s Policy (BOP) for bundled savings.
- Professional Liability (Medical Malpractice / Errors & Omissions)
The most critical coverage for healthcare providers.
- Protects against claims of negligence, mistakes, or omissions in patient care.
- Access to top-rated carriers for broad, cost-effective coverage.
- Tailored to physicians, dentists, chiropractors, outpatient centers, and more.
- Cyber Liability / Data Breach
Patient data is one of the most targeted assets by cybercriminals.
- Covers costs related to ransomware attacks, HIPAA violations, and data breaches.
- Includes breach notification, legal defense, credit monitoring, and regulatory fines.
- Helps protect your reputation and keep you compliant.
- Employment Practices Liability (EPLI)
Protects your practice from costly HR-related lawsuits and 3rd-party, also.
- Covers claims of wrongful termination, discrimination, harassment, and retaliation.
- Includes legal defense costs and settlements.
- Workers’ Compensation
Keeps your employees protected and your business compliant.
- Covers employee injuries and work-related illnesses.
- More carrier options than most payroll providers — often leading to significant savings.
- Pay-as-you-go premium options available for better cash flow.
- Commercial Auto
For facilities with vehicles used for patient transport, deliveries, or mobile care services.
- Covers liability, collision, and physical damage to owned vehicles.
- Hired and non-owned auto coverage is available for employee vehicle use.
- Excess Liability / Umbrella Insurance
Extra protection for high dollar claims that exceed your primary policy limits.
- Adds an additional layer of coverage over General Liability, Auto, and Professional Liability policies.
- Specialty Coverages
For the unique risks of healthcare operations.
- Inland Marine – Protects portable and specialized medical equipment.
- Equipment Breakdown – Covers repair or replacement of vital systems like MRI machines and lab equipment.
- Directors & Officers (D&O) – Protects board members from management-related lawsuits.
- Crime / Employee Dishonesty – Covers theft by employees or outsiders.
Download a free copy of the Insurance Commonly found at a Healthcare Facility, click here.
Why Choose Ochsner Insurance for Your Healthcare Facility
✅ Industry Expertise – We understand healthcare risks, regulations, and insurance market trends.
✅ Exclusive Carrier Access – Access to top-rated medical and specialty carriers.
✅ Custom Coverage Plans – Tailored to your practice size, specialty, and risk profile.
✅ Cost-Saving Options – Multiple carrier quotes to find the most competitive price.
Next Steps
Request a Proposal – Get a custom quote tailored to your facility.
Schedule a Consultation – Let’s discuss your needs one-on-one.
Explore Specialty Coverage Pages – Learn more about coverage for dentists, physicians, home healthcare, and more.
Ochsner Insurance
Protecting what matters most — your patients, your staff, and your practice.