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Ohio Dental & Medical Office Insurance: The whole practice, shopped for you.

Dental practices and medical offices are two of the areas we focus on, along with chiropractors, therapists and other health professionals. We're an independent agency in Marion and Powell, so we compare several carriers and coordinate the pieces.

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The Quick Answer

Ohio dental practices and medical offices usually build on an office BOP or property policy with general liability and business income, then add professional liability (malpractice), cyber liability for patient records, equipment breakdown for chairs, imaging and sterilization equipment, and EPLI for staff. Workers' comp comes through the Ohio Bureau of Workers' Compensation (BWC), and group benefits help you hire and keep people. Chiropractors, therapists and other health professionals need a similar core. eGoodwin Insurance is an independent agency in Marion and Powell that compares multiple insurance companies. Call (740) 387-8335.

Our focus: Dental practices and medical offices
Also insure: Chiropractors, therapists, other health pros
Patient data: Cyber liability worth a close look
Call first: (740) 387-8335

Health Practice Insurance, The Short Version

A practice is an office, a team and a lot of trust. Insure all three.

A dental office in Dublin and a family medical practice in Marion have a lot in common. There's the office and the equipment, the income that stops if you have to close, the patients who walk through the door, the records you keep and the team you employ. Dental and medical practices are two of the areas Mark focuses on, and we also work with chiropractors, physical and occupational therapists, counselors and other health professionals.

Most practices start with an office package (BOP) or commercial property with general liability and business income. On top of that sits professional liability, often called malpractice. It's specialized, and some practitioners carry it through a group or employer. Let us coordinate it with the rest of your program so nothing falls between policies.

Patient data deserves its own conversation. A breach can bring forensic work, patient notifications, legal help and downtime. Cyber liability may help, and some policies may help with HIPAA-related response costs; coverage varies. Add EPLI once you have staff, equipment breakdown for the machines your schedule depends on, and group benefits to help you hire and keep good people. Nothing on this page is legal or regulatory advice.

What a practice actually needs. In the order it matters.

Start with the office and the liability, then add what your patients, your data and your team call for.

Start here

BOP

Office Package & Property

Bundles general liability, property and business income for your office. Covers your build-out, furniture, supplies and equipment, whether you own the building or lease the suite.

Core

Liability

General Liability

The patient who trips in the waiting room, damage to a landlord's space, an advertising injury claim. It helps pay defense costs and settlements, and it's what your lease will ask a certificate for.

Core

Malpractice

Professional Liability

Claims tied to the care or treatment you provide. It's a specialized coverage, and some providers carry it through a group or employer. Let us coordinate it with the rest of your program.

Patient data

Cyber

Cyber Liability & Data Breach

Forensics, patient notifications, legal help and lost income while systems are down. Some policies may help with HIPAA-related response costs; coverage varies, so we'll go through it with you.

Equipment

Breakdown

Equipment Breakdown

Dental chairs, imaging, sterilization equipment, compressors and HVAC. Equipment breakdown may help when a covered mechanical or electrical failure takes them down.

Downtime

Income

Business Income

If a covered loss closes the office, business income may help replace lost income and keep paying ongoing expenses like payroll and rent while you recover.

Your team

EPLI

Employment Practices Liability

Responds to claims like wrongful termination, discrimination and harassment. Any practice with hygienists, assistants, nurses or front desk staff should have this conversation.

Ohio rule

BWC

Workers' Compensation

Ohio is a monopolistic state, so workers' comp comes through the Ohio Bureau of Workers' Compensation (BWC). We help you coordinate and review it, and look at stop-gap employer's liability.

Hire & keep

Benefits

Group Benefits

Health, dental, vision, life and disability options for your team. We walk you through them alongside your business coverage.

Not sure your practice is covered the way you think?

Fifteen minutes on your office, your team, your equipment and your data. We'll tell you what matters and shop it across several carriers. Free, no pressure.

Check My Coverage Call (740) 387-8335

Who we insure. Dental and medical first.

Dental and medical practices are our focus, and we work with a wide range of other health professionals across Ohio.

Dental practices

Solo and group dental offices. Property and equipment, professional liability coordination, cyber for patient records and EPLI for your team.

Medical offices

Physician and specialty practices. Liability, property, business income and the malpractice conversation, with cyber that takes patient data seriously.

Chiropractors

Treatment rooms, equipment and patient records. We build the program around how your practice runs.

Therapists & counselors

Physical, occupational and speech therapists, plus counselors. Professional liability, general liability and client-data protection.

Other health professionals

Nurses, technicians and other practitioners, whether self-employed or running a small practice.

Aesthetic practices

Offering injectables or laser treatments? See our med spa and aesthetics page for what changes.

How We Help

We coordinate it. Then we stay with it.

We're an independent agency, which means we represent multiple insurance companies and work for you, not an insurance company. We shop your coverage across several carriers, compare what comes back, and walk you through the differences in plain English. Mark Goodwin has been a licensed insurance professional since 1990, and our offices in Marion and Powell work with businesses across Ohio.

One program, not a pile of policies

Practices often end up with a property policy from one place, malpractice from another and no cyber at all. We look at the whole picture, line the pieces up and point out the gaps, including coverage you may already carry through a group or employer.

Certificates, renewals and changes

Landlords, lenders, management companies and contracts often ask for a certificate of insurance or additional insured wording. Send us the request and the contract language, and we'll work to turn it around quickly. At renewal, and any time your business changes, we review the program again and re-shop it when it makes sense.

Need a certificate for your lease or a hospital?

Send us the request and the contract language. We'll work to turn it around quickly with the right additional insured wording.

Get My Free Quote Call (740) 387-8335

Health practice insurance questions. Straight answers.

What insurance does a dental or medical office need in Ohio?

Most practices start with an office package or property policy with general liability and business income. Then they add professional liability (malpractice), cyber liability for patient records, equipment breakdown and EPLI for staff. Workers' comp comes through the Ohio Bureau of Workers' Compensation (BWC).

Do you sell malpractice insurance?

Professional liability is a specialized coverage, and some providers carry it through a group, employer or association. Let us coordinate it. We'll look at what you have, how it fits with the rest of your program and whether it makes sense to shop it.

Does cyber insurance cover a HIPAA breach?

Some policies may help with HIPAA-related response costs, such as forensic work, patient notifications and legal help. Coverage varies by policy, and fines and penalties are treated differently from policy to policy. We'll go through the details with you. This isn't legal advice.

What is equipment breakdown coverage?

It may help pay to repair or replace equipment damaged by a covered mechanical or electrical failure, like a compressor, imaging unit or HVAC system. It can also help with income lost while the equipment is down, depending on the policy.

I lease my office. What do I need to insure?

Usually your build-out and improvements, furniture, equipment and supplies, plus liability and business income. Your lease will spell out what the landlord requires, often including a certificate of insurance and additional insured wording. Send us the lease and we'll review it.

Do you insure chiropractors and therapists?

Yes. We work with chiropractors, physical and occupational therapists, counselors and other health professionals. The core is similar to a medical office: property, general liability, professional liability coordination and cyber.

Can you help with employee benefits for my practice?

Yes. We walk practices through group benefit options, including health, dental, vision, life and disability, alongside their business coverage. See our group benefits page for more.

How does workers' comp work for my practice in Ohio?

Ohio is a monopolistic workers' comp state, so employers get coverage through the Ohio Bureau of Workers' Compensation (BWC), not private carriers. We don't sell it, but we help you coordinate and review it and look at stop-gap employer's liability on your business policy.

Why use an independent agency for a practice?

We represent multiple insurance companies, so we compare options instead of offering one company's policy. We work for you, not an insurance company. Mark Goodwin has been licensed since 1990, and we stay with you from the first quote through renewals.

Still have questions? Call (740) 387-8335. We'll give you a straight answer.