Usually, yes. The building owner’s or primary tenant’s insurance is written to protect them — not your practice. If a client trips in the hallway on your day, or your laptop and furniture are damaged, you generally need your own general liability and contents coverage. Most office-share and room-rental agreements also require you to carry liability and provide a certificate of insurance. A business owner’s policy (BOP) is often an affordable way to do both.

Often not, or only in a limited way. Many homeowners policies cap coverage for business property and exclude liability arising from business activity — including a client who is injured coming to your home office. Depending on your setup, a home-based business endorsement or a separate BOP can close that gap. Telehealth-only practices still have business equipment and client data to protect, so cyber coverage is usually the bigger priority.

Under the HIPAA Breach Notification Rule, a covered practice that has a breach of unsecured protected health information generally must notify affected clients without unreasonable delay and no later than 60 days after discovery, and must report the breach to HHS. If more than 500 residents of a state are affected, prominent media outlets must be notified too. Pennsylvania’s breach-notification law can also apply. Cyber policies can help pay for forensic investigation, a breach attorney, notification letters, credit monitoring, data restoration, ransomware response, and lost income while systems are down. Coverage, limits, and sublimits vary by policy — we’ll compare them for you.

It helps, but it doesn’t replace your own protection. Breaches often start on the practice side — a reused password, a phishing email, or a lost phone. Your vendor contracts (including business associate agreements) also may limit what the vendor will pay. Your own cyber policy responds to your practice’s response costs and claims, regardless of where the incident started, subject to the policy terms.

In Pennsylvania, most employers must carry workers’ compensation once they have even one employee — full-time or part-time, including front-desk and billing staff. Clinicians who are genuinely independent contractors may not count, but contractor status depends on the actual working relationship, not just the 1099. At audit, carriers may treat contractors as employees if the relationship looks like employment or the contractor can’t show their own coverage. Tell us how your team is set up and we’ll help you structure it.

For many practices, yes. EPLI responds to claims from employees or job applicants alleging discrimination, harassment, wrongful termination, or retaliation — and defense costs can be significant even when a claim has no merit. The Pennsylvania Human Relations Act applies to employers with four or more employees, and federal laws such as Title VII apply at 15 or more, but claims can arise at any size. EPLI is typically not included in a standard BOP, so it’s worth asking about.

Usually, yes. Most carriers can schedule multiple Pennsylvania locations on one BOP or package policy, with property limits set for each address, and one workers’ comp policy can cover your PA staff across locations. The quote form lets you list each additional location.

Yes. We issue certificates of insurance for landlords, office-share hosts, and property managers, and can add them as additional insured when your policy allows it. Send us the insurance section of your lease and we’ll check the required limits, additional insured wording, and any waiver-of-subrogation request before you sign.

If a covered loss — like a fire, a burst pipe, or storm damage — forces you out of your office, business income coverage can help replace lost income and pay continuing expenses such as rent, loan payments, and payroll while you recover. Extra expense coverage can help with the added cost of operating elsewhere in the meantime, such as renting temporary space.

Your practice type, number of clinicians (W-2 and 1099) and support staff, whether you offer telehealth, annual revenue and payroll, your office arrangement, an estimate of contents and equipment value, any additional locations, your current business insurance carrier and expiration date, and any recent claims. The form below walks you through it — estimates are fine.