Physician practice coverage guide
General liability for physician offices
Updated 2026-06-11 · by Brokly
If a patient slips in your waiting room or is hurt on the premises — a different claim, and a different policy, from the clinical work.
Coverage
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)
By state
General liability by state
What physician offices need varies by state. See the full guide for physician offices in your state: Alabama · Alaska · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · all states →