Commercial Insurance for Medical & Dental Practices
A malpractice claim or a data breach can threaten everything you have built. Your coverage should be ready.
For a medical or dental practice, the exposures are specific: a malpractice or professional liability claim, a breach of protected health information, the property and equipment you rely on, and the staff you work hard to keep. As an independent agency representing 100+ carriers, we build coverage around your practice and specialty, coordinate it with the benefits your team expects, and review it before every renewal. People over policies, since 2007.
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Serving the DMV · Since 2007.
What it covers, plainly
A practice’s coverage is really several policies working together.
Malpractice / Professional Liability
Defends and pays claims that patient care caused harm. The core coverage for any practice, and the right carrier and limit vary by specialty and by any hospital privileges or networks you participate in.
Cyber & HIPAA Liability
Protected health information is a prime target. Covers breach response, notification, ransomware, and the regulatory exposure that comes with HIPAA, which a general policy does not address.
General Liability & Property
Slip-and-fall and third-party injury, plus your office, imaging and dental equipment, and the income you lose if you cannot see patients.
Workers Compensation
Required in Maryland, Virginia, and DC once you have staff. Covers work-related injury, including needlestick exposure, and lost wages regardless of fault.
Employment Practices (EPLI)
Claims from employees: discrimination, harassment, wrongful termination. The exposure rises with every hire, defense costs alone are serious, and standard policies rarely include enough on their own.
Umbrella & Group Benefits
Extra liability limits stacked above your primary policies, plus the medical, dental, and life benefits that help you keep hygienists, techs, and associates.
Not on the list? We still have you covered. Reach out to us!.
How we work
What a commercial advisor should actually do.
Your advisor
A named human, not a 1-800 number.
You get one advisor who learns your operation, knows your team, and remembers what happened at the last renewal. Same person at year five as at year one.
Proactive reviews
We call before renewal, not after a problem.
Annual proactive reviews. Quarterly check-ins for fast-growth clients. If you opened a new location, hired your fiftieth employee, or signed a major contract, we want to know before your policy does.
Carrier breadth
Independent access to diverse markets.
We're not tied to one carrier's appetite. Travelers, Liberty Mutual, Hartford, Cincinnati, Chubb, and dozens of other standard and specialty markets, we shop where your risk profile actually fits.
One roof
Commercial, benefits, and personal - coordinated.
Your business coverage, your team's benefits, and your personal insurance can all live under one advisory relationship. No more retelling your story to three different people.
Growing Fast?
Your business grows. Your coverage should keep up.
A broker who just renews your policy is fine, right up until it isn't. When you add a location, a truck, or fifteen employees and nobody updates your coverage. When a renewal comes back 22% higher with no explanation. When a claim lands and you need someone who already knows your operation. That's when a renew-and-forget broker costs you.
You need a named advisor who learns how your business actually runs, anticipates the risks before they find you, and makes sure your coverage evolves as fast as you do. We're independently owned, so your account team doesn't get shuffled after the next private-equity acquisition. The same advisor stays with you as you grow.
Named advisor
Proactive risk reviews
Independently owned
What our clients say
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"Your team is always responsive and helps us figure out our insurance needs. You really keep up with our pace of business, and we appreciate that every single time."
Miles S.
Long-standing Commercial Client
Think you are covered correctly now?
Let us take a look at your current coverage.
Bring us your existing policies. We'll tell you what's working, what's missing, and what's costing you money you don't need to spend. No pitch deck. No sales pressure. Just a real second opinion from people who do this for a living.
FAQ
Questions we hear from business owners.
Got a different question? Call us directly: (301) 431-0000. Or email us at info@capitolbenefits.com. The fastest way to answer a real question is to ask a real person.
Get in touch
Let's take a look at what you've got.
A quick conversation. No deck. We'll tell you what's working and what isn't.