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Why do podiatrists need insurance?
Podiatry practices face numerous risks. A delivery person could slip at your office, or a patient might file a lawsuit if their plantar fasciitis worsens. Podiatrist insurance covers a wide scope of losses and liabilities that could have a negative impact on the success of a small practice. It also helps you comply with state laws and other requirements.
Find the right coverage
Insureon helps podiatrists find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance do podiatrists need?
These insurance policies cover the most common risks of podiatry services.
General liability insurance
This policy covers basic risks faced by foot doctors and DPMs, including slip-and-fall injuries in your office. It's often required for commercial leases.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Libel and other advertising injuries
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's usually the most cost-effective type of commercial insurance for podiatrists.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Business property damage and theft
Workers’ compensation insurance
Most states require workers' comp for foot care clinics that have full- and part-time employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Professional liability / medical malpractice
Podiatry malpractice insurance protects foot health practitioners from legal expenses related to their business decisions. It's sometimes called professional liability insurance.
BEST FOR
- Orthotics that worsen a foot problem
- Accusations of negligence
- Professional errors
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a podiatry clinic. It helps pay for legal costs and property damage from an auto accident.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability helps podiatry offices survive data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive data.
BEST FOR
- Customer notification expenses
- Data breach lawsuits
- Fraud monitoring costs
Looking for different coverage? See more policies.
How much does podiatrist insurance cost?
A small podiatry clinic will pay less for insurance than a larger business.
Factors that affect premiums include:
- Healthcare services offered
- Medical equipment and property
- Business income
- Business location
- Types of insurance purchased
- Policy limits and deductibles
How do I get podiatrist insurance?
It's easy to get podiatry business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your podiatry clinic, whether you work independently or hire employees.
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FAQs about insurance for podiatrists
Review answers to frequently asked questions (FAQs) about podiatry insurance and more.
Are podiatrists required to carry malpractice insurance?
While not every state legally requires podiatrists to carry medical malpractice insurance, many will still need it to practice. Hospitals, surgical centers, government programs, and major healthcare networks often require proof of coverage before granting privileges or signing contracts.
Even when it isn’t mandated, malpractice coverage is an essential safeguard for podiatrists. This specialty involves treating complex foot and ankle issues where patients rely on your advanced training and surgical expertise. If a patient alleges you failed to meet the standard of care expected of a podiatric physician, it can lead to a costly malpractice claim—even if you did everything right.
Medical malpractice claims are among the most common professional negligence cases in healthcare, and podiatrists face similar exposure to risk as other specialists. Maintaining the right insurance helps protect your practice, finances, and professional reputation.
What is the difference between a foot doctor and a podiatrist?
A foot doctor is a general term people use for any healthcare provider who treats foot problems. But a podiatrist is a specific type of medical professional with advanced, specialized training in the foot, ankle, and lower leg.
Podiatrists hold a Doctor of Podiatric Medicine (DPM) degree and complete residencies focused entirely on lower-extremity conditions. They’re trained to diagnose, treat, and perform surgery on issues ranging from sports injuries and fractures to chronic conditions like diabetes-related foot problems.
So while all podiatrists can be considered “foot doctors,” not all foot doctors are podiatrists. Podiatrists offer a deeper level of specialization in the foot and ankle, and often the lower leg, than general practitioners or other types of healthcare providers.
What other insurance coverage should healthcare professionals carry?
Most podiatric practices start with core policies like general liability and medical malpractice insurance. These cover common third-party risks such as patient injuries, property damage, and claims of professional negligence.
But many practices benefit from additional coverage to address the unique risks that come with providing medical care, such as:
- Telehealth coverage: As more care shifts online, many malpractice policies can be extended to protect against claims related to virtual visits, remote monitoring, and other telemedicine services.
- License defense coverage: If a complaint triggers an investigation by your licensing board, this coverage helps pay for attorney fees and other costs needed to defend your professional license.
- Needlestick insurance: Healthcare workers face exposure to needles, sharps, and bodily fluids. This policy, also called accidental occupational coverage, provides financial protection for needlestick injuries and unintentional exposure incidents.
- HIPAA defense coverage: This can be added to many professional liability policies to help with the costs of investigating and resolving alleged HIPAA violations, including fines, penalties, and defense costs.
Together, these additional policies strengthen your risk management plan and help protect both your career and practice from unexpected challenges.