Every business must be insured. A doctor’s office, as a small business, is likely have several insurance policies to cover different aspects of the practice. First, the practice will have some type of insurance policy covering the office, in case of disaster like fire or flood. Another type of business policy covers the employees in case they get hurt on the job. This is called workers compensation insurance. Finally, malpractice insurance covers the doctor’s practice of medicine. For example, malpractice may come into play when/if a doctor is accused of making a medical treatment mistake.