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Workers' Compensation Insurance for Physicians

Policies for Doctor’s Offices, Urgent Care and Outpatient Clinics

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Why do Physicians need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Physicians’ offices are bustling hubs of patient care and administration. From repetitive stress to accidental slips, injuries can happen to any staff member. Workers’ comp ensures coverage for medical bills and lost wages, letting your practice focus on delivering quality care.

Common Physician injuries

Slips and falls – wet floors or cluttered walkways in clinics can cause injuries
Exposure to pathogens – frequent contact with patients increases risks of infectious diseases
Needlestick injuries – improper handling of needles or sharps can lead to punctures or infections
Stress-related disorders – long hours and high pressure can cause chronic stress

Common types of Physician workers we can insure

Medical Clinics

Physician Assistants

Private Practice Physicians

Urgent Care Centers

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Physicians workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Physician Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Physicians cost?

Workers' compensation for physicians is about $0.27 per $100 of payroll in 2025. This provides an affordable monthly premium for your employees. Discover more in Workers’ Comp Rates for Physicians 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Physicians

Here are the main categories for workers in medical offices. For more details, visit our guide: Workers’ Comp Class Codes for Physicians.

8832 - Physicians and Clerical

8832 - Medical Offices or Clinics

0957 - Physician and Clerical (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing physician workers' compensation insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Physician Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Physician Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Physicians

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

If I hire phlebotomists or outside contractors, are they covered?

1099 contractors need their own policies. If they don't have their own coverage, you must include them in your workers' comp payroll.

We offer patient pickup (non-emergency). Is that covered under a physician's workers' comp policy?

No, non-emergency patient pickup services require a separate classification. This type of exposure falls outside a standard physician’s workers' comp policy and must be addressed with the correct classification to ensure proper coverage.

State laws on Workers' Comp for Physicians

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Physicians?

Yes, we can help with that too!

Learn more about Physician Insurance

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Workers Comp Code for Physicians: A Complete Guide

Why use Kickstand to
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here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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