The Hartford doesn’t offer insurance for surgeons online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Insurance for Surgeons?
Insurance for surgeons is made up of different types of business insurance coverage options designed to help protect you from various risks that can come up when interacting with patients or working in an operating room. As a healthcare professional, you know that even a routine procedure can have complications. With surgeon’s insurance, you can have peace of mind knowing you’re better prepared to deal with challenges.
Why Is Insurance for Surgeons Important?
Even the most experienced surgeons face risks. From surgery complications to unexpected patient outcomes, your challenges are unique. Without insurance, costly legal claims could become a financial burden. Surgical liability insurance helps protect you, so you can continue providing life-changing care with confidence.
Insurance can help protect you from the unique risks that come with:
- Diagnosing and treating your patients
- Performing surgeries and procedures
- Handling sensitive patient information
Who May Need Surgeons Insurance?
Insurance coverage can help protect surgeons and surgical centers with different types of specialties, such as:
- Orthopedic surgeons
- Plastic surgeons
- General surgeons
- Oral surgeons
- ENT surgeons
- Ophthalmologist surgeons
What Types of Coverage Might I Need as a Surgeon?
Many surgeons and surgical centers have a Business Owner’s Policy (BOP) as the foundation of their insurance plan. It combines three types of coverage that can help protect you from the risks you face during normal operations, such as:
General liability insurance to help protect your business from claims that you caused bodily injury or property damage to someone else’s belongings.
Commercial property insurance to help protect your owned or rented building where you operate, as well as the tools and inventory you rely on. These can include:
- Surgical tables and lights
- Suction pumps
- Specialty lasers
- Sterilizers
- Personal protective equipment
- Surgical instrument sets
Business income insurance to help replace lost income if you can’t operate temporarily because of covered property damage.
Malpractice Insurance for Surgeons
A common type of insurance coverage surgeons need is malpractice insurance. Also known as professional liability insurance, this coverage helps protect you from claims that you made a mistake in the professional services given. Surgeons are among the top specialties at the most risk of getting sued. In fact, a survey by the American Medical Association found 59% of general surgeons were sued at least once.1
How Much Does Insurance for Surgeons Cost?
What you pay for surgeon’s insurance will vary because every surgeon has unique needs. Insurance companies may consider different factors when determining the cost of coverage, including:
- The location you practice in
- Type of coverage
- Your claims history
- Coverage limits you select
To find out your specific surgeon’s insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A patient slipped on a wet floor in our waiting room and broke their wrist. They sued us to pay for their medical bills.”
General liability insurance helps cover claims that your business hurt somebody else or damaged someone else’s property.
Business Income Insurance
“A pipe burst in our office, damaging our computers and surgical tables. We had to reschedule patients while repairs were made.”
Business income insurance helps replace your lost income if your business can’t operate temporarily because of covered property damage.
Workers’ Compensation Insurance
“One of my assistants accidentally nicked herself during a surgical procedure. She had to get her cut treated and have her blood tested.”
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness, such as needlesticks.
Professional Liability Insurance
“A patient claimed a procedure caused more damage and sued one of my surgeons.”
Professional liability insurance helps cover claims that your business made a mistake in the professional services given. In the healthcare industry, this coverage is also known as malpractice insurance.
Commercial Property Insurance
“A fire broke out in a building next to our surgical center. It quickly spread to our office and caused a lot of damage.”
Commercial property insurance helps protect the owned or rented building you use to operate. It can also help cover repair or replacement claims for the tools you rely on.
Commercial Auto Insurance
“My office manager was on the way to pick up inventory when he accidentally rear-ended another vehicle.”
Commercial auto insurance can help cover claims related to an accident your business causes when you or an employee drives a company-owned vehicle for work.
Get a Quote for Insurance for Surgeons
Get a quote from Tivly for the insurance coverage you need to help protect your surgical center.
Last Updated: March 17, 2026
1 American Medical Association, “Medical Liability Claim Frequency Among U.S. Physicians,” viewed March 2026.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed March 2026.
3 National Library of Medicine, “National Survey of Sharps Injuries Incidence Amongst Healthcare Workers in the United States,” viewed March 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed March 2026.
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