StandardVerified Q1 2026
Source: Guard Insurance Group – Business Insurance
Guard Insurance Group: Healthcare / Medical Insurance Appetite
Guard can insure the premises and operations exposure for healthcare offices that are primarily administrative. Any practice with direct patient care needs malpractice from a specialty market like CNA, MEDPRO, or ProAssurance. Guard works as a supporting carrier for the BOP and workers' comp side.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,500-$8,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- BOP available for medical offices and administrative healthcare businesses
- Workers' comp for office-based healthcare staff
- Covers medical billing companies, health consultants, and home health admin offices
- Competitive rates for non-clinical healthcare operations
- Fast quoting for office-based healthcare businesses
Limitations
- No medical malpractice or professional liability coverage available
- Clinical practices, surgery centers, and labs are excluded from BOP
- Dental, veterinary, and chiropractic offices need specialty programs