Insurance for Surgeons
Complete Insurance Solutions for Surgical Professionals
As a surgeon in California, you take on some of the most complex and high-stakes responsibilities in medicine. Each procedure carries inherent risks — from patient complications and malpractice allegations to equipment damage and cyber threats. A single claim can have devastating effects on your reputation and financial stability.
That’s why having a comprehensive insurance plan for surgeons is essential. The right coverage safeguards your practice, your team, and your future, allowing you to focus on what matters most — successful outcomes and patient safety.
Common Risks for Surgeons Include:
Allegations of surgical errors, misdiagnosis, or negligence
Infection or complication claims following a procedure
License investigations by the Medical Board of California
Workplace injuries among surgical staff or technicians
A customized surgeon’s insurance plan protects your professional and business assets from these challenges — ensuring peace of mind with every procedure.
General Liability Insurance for Surgeons
General Liability Insurance protects your surgical practice from third-party bodily injury, property damage, or personal injury claims.
Example Scenarios:
A patient’s family member slips in your clinic and sustains an injury
A vendor accidentally damages equipment while delivering supplies
You’re accused of defamation or false advertising
Stay fully protected with trusted coverage through Western Insurance Network.
Professional Liability Insurance for Surgeons
Professional Liability Insurance — also known as Surgical Malpractice Insurance — is essential for every surgeon in California. It covers legal defense costs, settlements, and damages from claims of surgical errors or professional negligence.
Example Scenarios:
A patient suffers complications after a procedure and files a malpractice claim
You’re accused of performing surgery without adequate informed consent
Allegations of misdiagnosis or delayed diagnosis lead to legal action
Protect your reputation and career with a customized malpractice plan from Western Insurance Network.
Workers’ Compensation Insurance for Surgical Practices
If you employ nurses, surgical technicians, or administrative staff, California law mandates Workers’ Compensation Insurance coverage.
Coverage Includes:
Medical expenses and wage replacement for injured employees
Disability and survivor benefits
Protection against employee-related lawsuits
Stay compliant and protect your staff with comprehensive workers’ compensation coverage tailored to surgical facilities.
Property & Equipment Insurance for Surgeons
Surgical offices and operating suites depend on specialized tools, instruments, and sterilization equipment — all of which represent major investments.
Property & Equipment Insurance covers damage or loss from fire, theft, or equipment malfunction.
Bundle this with a Business Owner’s Policy (BOP) for broader protection, combining property, liability, and business interruption insurance in one policy.
Cyber Liability Insurance (HIPAA-Compliant)
Surgeons handle sensitive patient data and electronic health records daily. A cyberattack or HIPAA breach can lead to severe financial and legal penalties.
Cyber Liability Insurance helps protect your practice against digital risks, ransomware, and data breaches.
Coverage Includes:
Data breach investigation and HIPAA compliance
Patient notification and credit monitoring
Cyber extortion and ransomware response
Data recovery and system restoration
Maintain patient trust and protect your digital assets with HIPAA-compliant cyber insurance.
Business Interruption Insurance for Surgical Practices
If your surgical center temporarily closes due to fire, flood, or utility failure, Business Interruption Insurance replaces lost income and covers operating expenses until you reopen.
Combine it with a Business Owner’s Policy (BOP) for total protection.
Why Surgeons in California Trust Western Insurance Network
Surgeons face some of the most intense professional pressures in healthcare — with both patient safety and financial stability on the line. That’s why Western Insurance Network has become a trusted partner for California’s surgical community.
With over 46 years of healthcare insurance experience, our team understands the legal, operational, and technical risks that surgeons encounter daily. We offer flexible coverage options — from malpractice to cyber and equipment insurance — tailored to your practice type, specialty, and budget. Whether you operate an independent surgical suite, perform outpatient procedures, or work in a hospital setting, we deliver protection you can count on.
Our commitment goes beyond policies — we provide personal guidance, transparent advice, and fast claims support, ensuring your coverage grows as your practice evolves. When you choose Western Insurance Network, you choose reliability, experience, and total peace of mind.
Frequently Asked Questions
Yes, it’s not legally required but strongly recommended and often required by hospitals or surgical facilities.
Typically between $8,000 and $20,000 per year, depending on specialty and claims history.
Yes, California law requires it for any practice with employees.
Yes, it protects against claims of negligence, errors, or surgical injury.
Commonly $1 million per claim and $3 million aggregate annually.
Yes, cyber coverage helps with HIPAA fines, ransomware, and data breach response.
Yes, combining BOP, liability, and cyber insurance can reduce premiums.
Immediately notify your insurer and activate License Defense Insurance for legal support.
Comprehensive Coverage for the Healthcare Industry
We offer specialized insurance solutions designed to protect healthcare businesses from financial, legal, and operational risks — keeping your practice secure and compliant at every step.
