General liability for physician offices

Published 2026-06-11 · by Brokly

Worth a look

Waiting-room slips and other premises injuries become claims against the practice — a different claim, and a different policy, from the clinical work.

What it covers for physician offices

Protects the practice against claims of bodily injury or property damage to others: a patient who slips in the waiting room, a visitor hurt on the office stairs, damage to the leased suite. In medicine the boundary is the point — general liability answers premises and operations injuries, not professional acts; the moment a claim alleges something about diagnosis or treatment, it is a malpractice claim and belongs to the malpractice coverage, not this one. A practice runs the public through its doors all day — and the slip in the waiting room is a different legal exposure from the missed diagnosis, each needing its own coverage.

Sources: Texas Department of Insurance — Commercial general liability insurance (retrieved 2026-06-11)

What it costs — benchmark in progress

The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for general liability, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the general liability benchmark for physician offices — same URL, real numbers.

Until then, see what physician offices need state by state: Alabama · Alaska · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · all states →

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