Property & casualty insurance for doctors
Optimally secured in your professional life:
Individual solutions for your practice, liability & electronics.
.svg)
.svg)
Property & casualty insurance at a glance: What you really need
As a doctor, you bear great responsibility and are exposed to special risks both professionally and privately. Property and casualty insurance specifically protects you from financial consequences in case of damages, failures, or legal disputes. We show you how to establish comprehensive protection. Efficient, digital & specifically tailored to your profession.
Service overview
Professional liability insurance
Professional legal protection insurance
Medical Practice Contents Insurance
Electronics & Equipment Protection
Practice Interruption Insurance
Business liability insurance
Cyber insurance
Lliability insurance
Legal insurance
Home contents insurance
Accident Insurance
When you should act
Real-world examples from your colleagues
Specialist with a private practice, 42 years old (aesthetic medicine)
Initial Situation:
Old practice contents insurance with actual cash value reimbursement, no protection in case of prolonged closure, and missing cyber protection.
Analysis:
Outdated contracts, growing risks from IT infrastructure and practice downtime inadequately covered.
Solution:
Modern practice insurance: replacement value compensation, practice downtime protection for fixed costs, cyber insurance with GDPR-compliant IT protection.
Result:
Comprehensive protection for inventory, income, and IT – premium from approx. €85/month, flexibly adjustable.
Medical specialist, 34 years old (employed + self-employed part-time)
Initial situation:
No legal expenses insurance, home contents insurance only for private use, work equipment and professional literature in the home office uninsured.
Problem:
Uncertainty regarding employment law disputes and lack of protection for professionally used property.
Solution:
Professional legal expenses insurance including employment, criminal, and disciplinary proceedings, as well as extended home contents insurance with home office coverage.
Result:
- Security in conflicts, protection for professional property at home
- Combined from €22/month
Resident physician, 29 years old (trauma surgery)
Initial Situation:
Liability insurance with basic coverage only through a professional association, without protection for secondary activities, equipment, or international assignments.
Analysis:
Significant gaps in coverage for side jobs, continuing education, and the use of mobile devices.
Solution:
Medical professional liability insurance with full coverage, including secondary activities, international protection, and electronics insurance.
Result:
Comprehensive coverage for all primary and secondary activities, business trips, and professional equipment. Premium from €17/month, tax-deductible.
common mistakes
Many doctors waste money every month
Many doctors simply accept offers from their professional association, a large provider, or a comparison portal without checking if the coverage truly fits. The result: Higher monthly costs without additional benefits or serious Coverage gaps in case of a claim.
➡️ Our Solution: We compare over 30 providers specifically for medical professions and ensure that you neither pay too much nor receive too little.
Many policies only apply to your main occupation, but not to Freelance medical work, expert opinions, emergency services, or teaching. If damage occurs, you may find yourself completely without insurance coverage.
➡️ Our Solution: We ensure that all your areas of activity. Private medical assignments or assignments abroad should also clearly included be.
Practice inventory is often only insured at a flat rate or with insufficient values, usually without regular updates. Modern practices with digital equipment (ultrasound, IT, cloud) are particularly quickly underinsured.
➡️ Our Solution: We ensure that your inventory is insured at replacement value and regularly adjusted, e.g., for new acquisitions.
General insurance brokers or portals often don't understand not how a practice is structured, what liability risks exist, or what technology needs to be insured. The result: standard solutions that may not apply when it matters most.
➡️ Our Solution: At Wealth Doctors, you receive Insurance consulting specifically for medical professionals. With an understanding of your daily routine, liability profile, and practice processes.
If your practice has to close, e.g., due to fire or water damage, you incur Five-figure income losses, often for weeks or months. Without business interruption insurance, you'll be stuck with these costs.
➡️ Our Solution: If needed, we integrate Business interruption insurance, which secure your fixed costs and income even in times of crisis.
Many cheap plans seem attractive until high deductibles or exclusions suddenly apply in the event of a claim. This can be particularly costly for electronics or legal protection.
➡️ Our Solution: We meticulously examine the fine print and recommend plans with fair terms and transparent benefits.
Many doctors (especially during residency/training) rely on the hospital's insurance. However, this only applies to purely professional activities within the hospital setting. It often doesn't cover secondary activities, gross negligence, or incorrect documentation. The doctor bears the risk themselves.
➡️ Our Solution: We provide a dedicated, comprehensive professional liability insurance that covers all activities (including part-time or abroad) and even gross negligence.
Your property & casualty insurance consultation with Wealth Doctors
Secure your property & casualty insurance properly now
- Personal Advice & Tariff Recommendation
- Comparison of the best providers for doctors
- Digital Management & Tax Optimization
