LimitedVerified Q1 2026
Source: Auto-Owners Insurance – Business Insurance
Auto-Owners Insurance: Healthcare Offices Insurance Appetite
Auto-Owners can only handle the property and GL side of non-clinical healthcare operations. Medical malpractice must be placed with CNA, The Hartford, or specialty medical carriers. Their limited geographic footprint further narrows their applicability. Best as a supporting carrier for administrative healthcare businesses in the Midwest.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
Premium Range
$1,800-$9,000
Typical annual premium
Target States
26 states (Midwest and Southeast)
Key Features
- BOP for non-clinical healthcare offices and administrative operations
- Workers' comp for medical office staff at competitive rates
- Property coverage for medical office buildings and tenant improvements
- Can cover medical billing, health IT, and healthcare consulting
Limitations
- No medical malpractice or professional liability for practitioners
- Clinical practices with patient treatment are excluded
- Pharmacies, labs, and surgical centers need specialty markets
- Available in only 26 states
Compare Other Carriers for Healthcare Offices
Progressive CommercialLimited
$2,000-$8,000
TravelersStandard
$5,000-$30,000
CNAPreferred
$6,000-$40,000
HiscoxPreferred
$800-$6,000
ERGO NEXT InsuranceLimited
$800-$4,000
The HartfordPreferred
$3,000-$25,000
EMPLOYERS HoldingsPreferred
$1,500-$10,000
AcuityStandard
$3,000-$15,000
Erie InsuranceStandard
$3,000-$15,000
biBERKPreferred
$2,000-$12,000
AmTrust Financial ServicesPreferred
$2,000-$15,000
BTISStandard
$2,000-$12,000
Pie InsurancePreferred
$1,500-$10,000
NationwideLimited
$2,000-$10,000
Liberty MutualLimited
$2,500-$12,000
ChubbStandard
$4,000-$25,000
Cincinnati FinancialLimited
$2,000-$10,000
Hanover InsuranceLimited
$2,000-$10,000