Insurance for Healthcare Facilities

Why Is Healthcare Facility Insurance Important?

Healthcare facilities operate in a complex and constantly evolving industry. Outpatient healthcare providers, from dentists to surgery centers, need specialized insurance solutions to protect their operations, employees, and patients. With the right coverage, your healthcare organization can focus on improving patient lives while we handle the risks.

Who Needs Healthcare Facility Insurance?

We provide insurance solutions for a variety of outpatient healthcare facilities, including:

  • Audiologists
  • Dentists
  • Dermatologists
  • Diagnostic testing labs
  • Doctors
  • Occupational health centers
  • Optometrists
  • Physical and speech therapists
  • Podiatrists
  • Surgery centers

Customizable Insurance for the Healthcare Industry

Property Insurance

Our property insurance coverage can help protect your healthcare facility’s buildings and medical equipment. Optional additional coverages can include:

  • Biomedical Hazardous Waste Decontamination
  • Emergency Evaluation Expense
  • Crisis Event
  • Embryo, Eggs, Cells, and Tissue
  • Patient’s and Patient Visitor’s Personal Property
  • Research Animals
  • Spoilage of Perishable Goods

Equipment Replacement Coverage

This can cover medical diagnostic equipment that you rent, lease, or own, such as:

  • Magnetic Resonance Imaging (MRI)
  • CAT Scan
  • Medical Radiography
  • Ultrasound Equipment
  • Radiosurgery
  • X-Ray Equipment

Business Income Insurance

This coverage can help healthcare organizations recover lost income due to covered property damage, ensuring continuity of operations.

Professional Liability Insurance

This protects your business if a medical professional makes a mistake while providing services.

General Liability Insurance

Our general liability insurance offers broader coverage than the industry standard, protecting against claims of bodily injury and property damage. This can include:

  • Coverage for bodily injury claims of mental anguish due to an injury, sickness, or disease
  • Personal and advertising injury protection, including cyber liability and discrimination

Workers’ Compensation Insurance

This coverage helps your employees recover from work-related injuries or illnesses.

Commercial Auto Insurance

This coverage protects you and your employees on the road if you drive facility-owned vehicles for business purposes. It can include patient transportation coverage for vehicles used to shuttle clients and patients to and from your facility.

Management Liability Insurance

Our management liability solutions for healthcare organizations can include:

  • Employment Practices Liability (EPL)
  • Fiduciary Liability
  • Kidnap & Ransom

Site Pollution Liability

This provides coverage for environmental damage, property damage, and bodily injury due to pollution incidents on, under, or migrating from an insured site.

Umbrella and Excess Liability

This coverage can offer worldwide protection with increased limits.

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