Medical Facilities

With experienced underwriters and insightful analytical tools, we provide powerful management liability solutions for hospitals, health systems, miscellaneous medical facilities, physician groups, and managed care organizations—and the brokers who serve them.

Coverage Features

  • Claims-made professional liability coverage (occurrence coverage available on select classes of business)
  • Defense outside the limit
  • Punitive damages covered where insurable with most favorable venue wording
  • Physical abuse and sexual misconduct coverage
  • Coverage for medical directors and employed physicians for direct patient care on a shared or separate limit basis
  • Blanket additional insured status where required by contract
  • Sub-limits for evacuation expense, HIPAA proceedings, legal/media expense, and patient property loss
  • Incident sensitive claims trigger when claims made
  • Good Samaritan coverage

Coverage Options

  • Professional Liability
  • General Liability
  • Employee Benefits Liability
  • Legal/Media coverage
  • Evacuation Expense
  • Patient Property Loss
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Eligible Risk Classes

  • Adult day care centers
  • Ambulance/emergency/nonemergency patient transport (air and ground)
  • Ambulatory surgery centers
  • Behavioral health centers
  • Clinical trials
  • Community health centers
  • Dialysis centers
  • Home healthcare
  • Hospice
  • Imaging/x-ray facilities
  • Laboratories
  • Occupational medicine clinics
  • Pain management clinics
  • Pharmacies
  • Rehabilitation facilities (drug/alcohol and physical)
  • Residential care facilities (adults, MRDD)
  • Select social services risks (various forms of counseling, group homes [no medically fragile children], and other risks deemed acceptable)
  • Staffing (non-physician medical)
  • Telemedicine
  • Urgent care facilities and freestanding emergency rooms

Additional Considerations

  • $5,000 minimum premium for primary policies
  • $5,000 minimum premium (per million) for excess policies
  • First dollar, deductible, and SIR options available


  • Primary $1 million/$3 million and higher primary limits available
  • $15 million in total capacity
  • Separate limits per insuring agreement
  • Separate limits per location as needed