Medical Facilities Malpractice Insurance

The Doctors Insurance Agency is working in partnership with Amwins Program Underwriters to offer a nationwide program designed exclusively to insure Medical Facilities. The Doctors Insurance Agency has 35 years of experience and partnership with our underwriters, who are creating liability policies for surgery centers, urgent care centers, mental health/behavioral health facilities and home health care organizations (ALFs, SNFs).

We understand the risks medical facilities face. It is important for business owners to work with a broker who understands medical professional liability insurance. The Doctors Insurance Agency has 10 experienced medical malpractice insurance agents, and our team will consult with you to evaluate your current position and make sure we clearly understand your insurance requirements.

Working closely with our partners, we will leverage the market completely to ensure the best terms and premiums. Working with brokers that understand the nuances and differences in the many medical provider specialties is integral, both for obtaining the right premium and ensuring that all providers are included in the coverage. Policies should be scheduled with a rolling tail, which provides the most affordable and complete method of insuring the facility.

Our Medical Facilities Malpractice Insurance program includes a package of professional liability and general liability coverages based on the particular details of your facility. We have the partnerships and deep understanding of the market exposures necessary to create these packages, and we provide a broad range of coverage.

Most of the strength of these Medical Facility Insurance Policies can be found in the definition of insured. There are often paragraphs under that definition. The trick is to completely represent all those that are presently involved in the service that you offer, so that your medical professional and general liability policy will reflect what you have represented.

Obtaining a medical professional facility liability policy that allows for retroactive coverage can make it possible to develop a successful recruitment strategy.

Additionally, the terms of tail coverage can encourage and help you place and onboard new providers, or it can be an obstacle.

As these facilities begin to leverage technology, the policy should have a technical and general products liability component, which can extend coverage to the technical products, devices and any products distributed to patients and clients.

 Eligible accounts

  • Healthcare rehabilitation providers
  • Clinics: community, family planning, rural & more
  • Allied health schools
  • Community health centers
  • Dialysis centers
  • Emergicenters/urgicenters
  • Health departments
  • Imaging, x-rays, CT scans, MRIs and ultrasounds
  • Mobile healthcare operations
  • Medical laboratories, drug testing, paternity, pathology & more
  • Lipodissolve and other procedures
  • Sleep centers
  • Surgery centers


  • Professional liability
  • General liability (must write PL also)
  • Property (admitted)
  • Employee benefits liability (must write both PL & CGL also)
  • Package policy includes coverage for I.C.’s while working within the scope of duties for named insured
  • Bodily Injury definition includes mental anguish and mental injury on the CGL
  • Crime or fidelity bond (admitted)
  • Sexual abuse is included within the definition of “Professional Services Wrongful Act” in the policy form
  • Defense costs are generally outside policy limits on package policy
  • Ability to quote excess liability
  • Worldwide coverage (claim must be filed in the U.S.)
  • Workers' compensation

Coverage is provided on a non-admitted basis unless otherwise indicated.

The Doctors Insurance Agency will help you find the perfect comprehensive coverage for your medical facility.

Medical Facilities Malpractice Insurance