Medical Office Building Insurance

Insurance Requirements for Medical Office Buildings

Medical offices, outpatient clinics, dental practices, and ambulatory surgery centers. Explore coverage-specific requirements below.

Coverage Requirements

Covers third-party bodily injury and property damage claims arising from operations on the premises.

Typical: $1M per occurrence / $2M aggregate

Covers medical expenses and lost wages for employees injured on the job. Required by law in most states.

Typical: Statutory limits (varies by state)

Covers vehicles used for business purposes, including liability for accidents involving company-owned or hired vehicles.

Typical: $1M combined single limit

UMB

Provides additional liability coverage above the limits of underlying GL, auto, and WC policies.

Typical: $1M–$5M (varies by risk)

E&O

Covers claims arising from professional errors, omissions, or negligent advice — also known as Errors & Omissions.

Typical: $1M per claim / $2M aggregate

PROP

Covers damage to tenant-owned improvements, inventory, and business personal property within leased spaces.

Typical: Replacement cost of tenant improvements

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Office Buildings

Class A, B, and C office properties including high-rises, suburban office parks, and mixed-use office spaces.

Retail Centers

Shopping centers, strip malls, power centers, and lifestyle centers with multiple retail tenants.

Industrial Warehouses

Warehouses, distribution centers, flex spaces, and light manufacturing facilities.

Multifamily Apartments

Apartment complexes, garden-style communities, mid-rise and high-rise residential buildings.

Mixed-Use Properties

Properties combining retail, office, and residential uses — often with ground-floor commercial and upper-floor residential.

Hotels & Hospitality Properties

Hotels, motels, resorts, and extended-stay properties with complex vendor relationships.

Self-Storage Facilities

Climate-controlled and standard self-storage facilities, including boat and RV storage.