Why this class matters to Coterie

Offices of Physicians (except Mental Health Specialists) ranks #46 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Typical risks

For physician offices, common claims include waiting-room falls, visitor injuries and personal injury claims. Patients and visitors in waiting rooms and hallways create premises exposure, and leases require GL.

GL and BOP, explained

General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

A BOP covers office and clinical equipment and adds business income. A business owner’s policy combines liability, property and business income in one policy.

Before you quote

Medical offices fit Coterie’s BOP and GL. Medical malpractice is a separate coverage that Coterie doesn’t provide. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals. Home-based and newer businesses are welcome.

The Coterie experience

Instead of waiting days on paperwork, you get an online quote, bind in minutes and instant certificates when a client or landlord asks. Every policy includes Manage My Risk, with free OSHA updates, safety checklists and a personalized risk plan.

All coverage is subject to underwriting and availability.

Start now: Get your Coterie quote

Want a second opinion? Call America Insurance Brokers and we’ll review your options together.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama offices of physicians (except mental health specialists).