Industry guide
Workers’ Comp Insurance for Primary Care Practices
Workers’ compensation for primary care practices addresses employees’ work-related injuries and illnesses, not patient malpractice claims. Infectious exposure during examinations and sharps used for injections and minor procedures are relevant employee exposures. Provident Financial Group reviews your actual services, payroll and work locations with available carriers; eligibility and classification depend on state rules and underwriting.
Workers' comp for primary care practices
A family or internal-medicine practice may combine routine examinations with minor procedures, occupational examinations or obstetric services. List the services actually delivered and identify who employs the assistants and nurses at each location.
List routine examinations, occupational-health visits, minor procedures and obstetric services where offered. Identify office-based and hospital-assigned employees, including nursing and administrative roles. Disclose restricted major surgical work if performed rather than representing every family practice as examination-only.
Specialties and employee roles
- Family General Practice (No Surgery-Hospital Care)
- Family General Practice (Minor Surgery-No Obstetrics)
- Family General Practice (Restricted Major Surgery-No Obstetrics)
- Family General Practice (With Obstetrics)
- General Medicine (Restricted)
- Internal Medicine
- Occupational Medicine
How workers' comp classification is determined
No workers’ compensation code is assigned from a specialty label alone. The agent reviews employee duties, procedures, facility type, payroll and the state’s classification rules. Provide any existing policy codes for review; supervision and malpractice-style coverage-amount categories do not establish a workers’ compensation classification.
Common exposures
- Infectious exposure during examinations
- Sharps used for injections and minor procedures
- Strain assisting patients onto examination tables
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Information reviewed for classification and quoting
Payroll, applicable classifications, operating states and loss experience may affect premium. The operational details below help describe the business; they are not promises of a surcharge, discount or separate rating factor.
- Clinical versus scheduling duties
- Office procedures, hospital work and obstetric services
- Payroll, operating states and applicable classification
- Prior claims and experience modification, when applicable
Coverage notes
- Employee work-related injury and illness coverage is separate from patient malpractice liability.
- Owner inclusion and employee or contractor status require state-specific review.
- Disclose all employee work locations and outside-facility assignments.
What to prepare for a quote
- Services performed: clinical versus scheduling duties.
- Work arrangements: office procedures, hospital work and obstetric services.
- Employee headcount and annual payroll by duties and work location.
- Existing policy, renewal date and prior loss runs, if available.
- Business name, contact name, email, phone and full business address; Federal EIN is optional.
Eligibility
Frequently asked questions
Does adding minor surgery change a primary care submission?
It can change how an underwriter evaluates the operation. Describe the procedure types, where they take place and which employees assist. A family-practice label alone does not establish the appropriate workers’ compensation classification.
What information helps quote workers’ comp for primary care practices?
Prepare employee payroll and headcount by duty and location, your operations description, and prior policy and loss information if available. For this business, specifically explain clinical versus scheduling duties and office procedures, hospital work and obstetric services. Business and contact details are required by the quote form; EIN is optional.
Can a business owner be included in workers’ compensation coverage?
Owner inclusion or exclusion depends on the state, entity type and policy rules. Identify ownership and whether the owner performs clinical or administrative work. Do not assume a professional license automatically includes the owner as an insured employee.
Does workers’ comp for primary care practices replace malpractice coverage?
No. Workers’ compensation addresses eligible employee work-related injuries and illnesses under state law. Medical malpractice addresses claims about professional patient care. They are separate coverages; neither should be represented as a substitute for the other.
Last reviewed · Reviewed by Provident Financial Group licensed agents
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states