Insurance for Pediatricians

Authored and Reviewed by: Sam Meenasian, Licensed Insurance Professional (CA License #0F75955) Last Updated 1/26/2026

This overview is for educational purposes only and is not legal, tax, or insurance advice. Coverage terms and availability vary by state, carrier, and risk.

As a pediatrician, you get to help parents learn how to keep their kids safe and healthy. You also get to see those children when they’re healthy and happy or sick and miserable. Whether children come to see you for a wellness checkup or because they are ill, it is your responsibility to take care of them to the fullest extent of your ability. You worked hard to get your medical license and start your own practice, and you work hard to keep your patients healthy.

We’ve specialized in pediatrician insurance since 2007, backed by nearly two decades of experience in commercial insurance.

General Liability For Pediatricians

A general liability policy is a common foundational policy for many practices, but pediatricians typically also need medical professional liability (malpractice) to address claims arising from professional medical services. General liability can help cover certain third‑party bodily injury, property damage, and personal/advertising injury claims, subject to policy terms and exclusions.

Claims arising from professional medical services are generally addressed by malpractice coverage.

General Liability Insurance Includes:

Premises Liability – Like any office that serves the public, a pediatric practice can face slip‑and‑fall or other visitor injury claims. General liability may help with covered third‑party injury claims and legal defense, subject to policy terms and limits
Products Liability – Products liability insurance protects you from lawsuits and legal claims that come about due to products you have sold. If you sell a product to your customers and that product is later found to be defective, it can cause harm to the person you sold it to or to their child. Products liability can help pay for your legal defenses while also paying for the patient’s injuries or damages.

Business Owners Policy

A BOP typically bundles general liability with commercial property and business income coverage. For EHR/PHI and breach response costs, practices usually evaluate cyber/privacy coverage.

You can tailor your BOP so that it only provides you with coverage your company actually needs, such as:

Buildings and Contents
Business Income and Extra Expense
Electronic Data
Newly Acquired or Constructed Buildings
Employee Dishonesty Coverage

Business Auto Insurance

If you, one of your office staff or other employees needs to travel by car for business reasons, it’s important for your company to carry a business auto insurance policy. Increased driving can increase your risks of having a business related auto accident. Bodily injuries or property damages that are caused in an auto accident can put severe financial strain on your company. You can structure your commercial auto policy so that it limits the amounts you must pay directly. You can even tailor it so that you’re protected from a wide number of risks such as theft, fire, hit and run drivers or uninsured motorists.

Workers Compensation Insurance

Workers’ compensation is regulated at the state level. Many states require coverage once you have employees (thresholds and exceptions vary). Workers’ comp can help cover medical care and wage benefits for employee injuries that occur in the course of work, subject to state rules and policy terms.

Professional Liability Insurance / Malpractice

Medical professional liability (malpractice) insurance helps protect pediatricians and pediatric practices if a patient or parent alleges that a professional service caused harm; such as a missed diagnosis, delayed treatment, medication error, or inadequate follow‑up.

Claim Example: A child is seen for fever and shortness of breath, and the family later alleges the clinician failed to recognize signs of pneumonia and did not order appropriate testing or provide timely escalation instructions; the child is hospitalized the next day, and the family files a lawsuit seeking damages for medical costs and related losses. Malpractice coverage may help pay for legal defense and, if covered under the policy terms, a settlement or judgment; subject to the policy’s conditions, exclusions, and limits.

Not Sure What You Need?

Call us at (888) 900 0205 for help building a coverage plan that matches your pediatric practice.

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