Miscellaneous Health Care Facilities

Outpatient Medical Clinics

The Medical Professional Division offers coverage targeting those clinics providing healthcare services on an outpatient basis.  Coverage is written on a non-admitted basis through designated surplus lines brokers.


Coverage Offered

  • Professional Liability on a claims-made basis:
    -  Coverage is automatic for most 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 an occurrence or claims-made basis
  • Incident sensitive claim trigger option is available
  • Separate aggregate limits are provided for Professional Liability and General Liability
  • Options for defense costs inside or outside the indemnity limit
  • Extended reporting period available
  • First dollar (zero deductible) or deductible options are offered
  • Standalone first layer excess coverage is also available when written over a carrier with an A.M. Best rating of "A-" or higher
  • Up to $5M limits


Eligible Exposures

  • Walk-In Clinics
  • Urgent Care Centers
  • Community health clinics
  • College informaries
  • Family planning clinics
  • In-store clinics
  • Public health departments

Ineligible Exposures

  • Facilities without a Medical Director
  • Inpatient / residential facilities