Business Insurance for Walk-In Clinics

Business insurance is designed to protect a business owner's financial assets and is an essential investment for a walk-in clinic.

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About General Liability Insurance

All businesses, regardless of industry, face risks that should be covered by insurance. The most common and comprehensive type of policy business owners invest in is general liability insurance (or CGL).

Some of the risks CGL insurance covers are:

  • Bodily injury
  • Property damage
  • Medical payments
  • Legal defense and judgment
  • Personal and advertising injury

While businesses aren't legally required to carry general liability insurance, operating without it is extremely risky. If your business is sued, you could end up facing fees totaling hundreds of thousands of dollars (or more). Having a sufficient CGL policy in place to help compensate for these damages is the only way to prevent this type of event from devastating your business.

Learn more about the risks covered by general liability insurance.


Example 1: When one of your customers enters your clinic, they slip on slush and ice that was tracked in by a previous customer. General liability insurance would cover the costs of their injuries from the fall.

Example 2: When unloading new equipment for your walk-in clinic in the parking lot, a staff member damages one of your customer’s cars. General liability insurance would cover the costs to fix the vehicle.

Example 3: One of your customers believes they were unfairly treated by your staff due to their ethnicity. General liability insurance would pay for the costs associated with protecting your reputation.

Of course, this is not an exhaustive list of perils a general liability insurance policy will cover, and some conditions may result in a particular peril not being covered. It's always best to talk to your agent in-depth about the specifics of your policy to avoid blind spots in coverage.

Cost Of General Liability Insurance

On average, walk-in clinics in America spend between $350 - $750 per year for $1 million in general liability coverage.

Check out the chart below for a snapshot of average CGL expenditure across a variety of industries:

Graph showing average price of general liability insurance prices per industry

Several factors will determine the price of your policy. These include your:

  • Location
  • Deductible
  • Number of employees
  • Per-occurrence limit
  • General aggregate limit

You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner's policy (BOP) rather than as a standalone policy. A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.

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Other Types Of Coverage Walk-In Clinics Need

While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some other types of insurance all walk-in clinics should obtain:

Commercial Property Insurance

If you own the space used for your walk-in clinic, you’ll need commercial property insurance to keep your grounds and equipment safe. This insurance typically covers your clinic from severe storms, theft or vandalism, and fire. From broken windows to water-damaged equipment, this insurance can compensate you for a variety of expenses.

Malpractice Insurance

Walk-in clinics are at risk of malpractice lawsuits in the same way that larger hospitals are. Malpractice covers expenses associated with mistakes made when assessing, advising, or treating a patient.

Workers’ Compensation Insurance

Workers’ compensation is necessary for all employees, whether they work full-time or part-time. Clinics can be a dangerous place to work due to the risk of cross-contamination. Workers’ compensation can cover sudden illnesses or accidents, as well as chronic injuries that stem from repetitive motion on the job (e.g., lifting boxes, sitting for long periods).

Business Interruption Insurance

If your walk-in clinic needs to close due to a covered event, such as a major storm or vandalism, business interruption insurance provides income to owners even when they can’t see patients.

Data Breach Insurance

Medical and insurance fraud are on the rise, so data breach insurance is critical for a walk-in clinic in case a hacker violates patient data in any way. This insurance will help cover the costs associated with identity or insurance theft.

Types Of Coverage Some Walk-In Clinics May Need

In addition to the policies outlined above, there are a few other types of coverage your walk-in clinic may require depending on certain aspects of your operations. Some of these might not apply to you, so be sure to ask your agent which policies are right for your business.

Commercial Umbrella Liability Insurance

This insurance is available for medical practices in case a general liability policy reaches its maximum limits. When it comes to a healthcare business, lawsuits can become extremely expensive very quickly. A general liability policy may only cover a portion of the expenses (based on its policy limits), but umbrella insurance can cover additional expenses above and beyond those limits.

Additional Steps To Protect Your Business

Although it’s easy (and essential) to invest in business insurance, it should not be your frontline defense. Yes, insurance will compensate for your business’ financial losses after an incident occurs, but it’s much better to avoid losses altogether.

With this in mind, here are three things you can do to better protect your business:

  • Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
  • Set up a limited liability company (LLC) or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
  • Stay up to date with business licensing.
  • Streamline your business’ internal processes. This will remove unnecessary variables from common tasks and create a safe, consistent environment for conducting business.

Steps After Getting Business Insurance

Depending on where you are in your business building process, here are some other actions you may need to take before getting started:

Frequently Asked Questions

What is included in a business owner’s policy?

A typical business owner's policy includes general liability, business interruption, and property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company's needs.

What is the difference between business insurance and general liability insurance?

"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.

Do I need insurance before I start a business?

You should invest in coverage for your business before your first interaction with a customer. Although the cost of insurance may seem high for a brand new business, it's best to be proactive when it comes to protecting your assets. After all, you can't buy insurance to cover a loss that has already occurred.

Will insurance protect my business from everything?

Not necessarily. Certain exceptions may be written directly into your policy, and some perils may be entirely uninsurable. Be sure to discuss the scope of your policy in-depth with your agent to avoid being blindsided by holes in your coverage.

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