Miscellaneous Health Care Facilities

Ambulatory Surgicenters

The Medical Professional Division offers coverage for multi-specialty surgery centers and recognizes the reduced exposures of certain single specialty centers with lower rates, deductibles and minimum premiums.

Coverage Offered

  • Professional Liability on a claims-made basis
  • Coverage is automatic for non-physician employees
  • Coverage is automatic for Medical Directors’ administrative duties
  • Coverage is available for physicians engaged in clinical patient care services on a shared limits basis
  • General Liability may be included on a claims-made or an occurrence basis
  • Incident Sensitive claim trigger option
  • Separate aggregate limits are provided for Professional Liability and General Liability
  • Options for defense costs inside and outside the limits of liability
  • Extended reporting period available
  • Indemnity-only deductible available (requires $10,000 minimum deductible)

Risk Appetite

Single Specialty/ASCs

  • Endoscopy/Digestive Health
  • Eye/Lasik/Refractive
  • Gamma Knife
  • Pain Management
  • Urology

Multi-Specialty/ASCs

  • General Surgery
  • Gynecology
  • ENT and Plastics
  • Orthopedics
  • Podiatry

Limits

  • $5,000,000/$5,000,000 (higher limits available through facultative placement)
  • In states where a risk is subject to applicable patient compensation funds, lower limits will be offered up to the PCF limit levels
  • Excess Only Coverage available (over A.M. Best B or higher rated carrier)

Eligible Exposures

  • Outpatient Ambulatory Surgicenters operating under the direction of a Medical Director.

Ineligible Exposures

  • Surgicenters without a Medical Director