LimitedVerified Q1 2026
Source: Liberty Mutual – Business Insurance
Liberty Mutual: Healthcare Offices Insurance Appetite
Liberty Mutual handles the property, GL, and cyber side of healthcare offices but cannot provide malpractice coverage. Their cyber product is relevant for HIPAA-regulated entities. For full healthcare practice coverage, agents should look to CNA, The Hartford, or specialty medical malpractice carriers.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Cyber Insurance |
Premium Range
$2,500-$12,000
Typical annual premium
Target States
All 50 states and DC
Key Features
- BOP for non-clinical healthcare offices and administrative facilities
- Workers' comp with healthcare-specific ergonomic programs
- Cyber insurance for HIPAA compliance and breach notification
- Property coverage for medical office equipment and records
Limitations
- No medical malpractice or professional liability coverage
- Clinical practices, surgical centers, and labs are excluded
- Dental, veterinary, and chiropractic offices need specialty programs
- Home health agencies are excluded from standard program
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