Outpatient medical facility insurance

What insurance does an outpatient medical facility need?

An outpatient medical facility typically needs medical professional liability for the facility and, where applicable, its providers, along with general liability, commercial property and equipment breakdown for the building and medical equipment, workers’ compensation, and cyber liability for patient records. Depending on the services, it may also need auto coverage for patient transport, employment practices liability, and directors and officers liability for practices with investors, partners or boards.

• Professional liability. Confirm whether the facility policy also covers employed physicians, nurses and technicians, or whether each carries their own.
• Equipment breakdown. Imaging, laboratory and dialysis equipment is expensive and time-critical.
• Cyber & privacy. Patient records, scheduling and billing systems are frequent targets.
• Business income. Lost revenue when a covered loss closes the facility.

Which outpatient facilities do you insure?

We work with a wide range of outpatient settings, including ambulatory surgical centers, urgent care, imaging centers, laboratories, dialysis and cancer treatment centers, physician offices, rehabilitation clinics, mental health centers, pharmacies, telemedicine providers, and home health, hospice and respite care. The list below is not exhaustive. Each setting is underwritten on its own procedures, staffing and patient volume, so the program is built facility by facility.

• Ambulatory Surgical Centers (ASCs)
• Blood Banks
• Cancer Treatment Centers
• Clinical Research
• Community Health Centers
• Correctional Health Care
• County Health Departments
• Dialysis Centers
• Durable Medical Equipment
• Fertility Clinics
• Genetic / DNA / Forensic Testing
• Home Health Care
• Hospice & Respite Care
• Imaging Centers
• Laboratories
• Lithotripsy Centers
• Medical Schools
• Mental Health Centers
• Non-Emergency Medical Transport
• Optical Establishments
• Pharmacies
• Physician Offices
• Rehab: Physical, Occupational and Speech
• Sleep Clinics and Sleep Disorder / Apnea Clinics
• Stem Cell Therapy Centers
• Student Health Centers
• Telemedicine
• Urgent Care
• Weight Loss Centers

If you don’t see your facility type, call us at 248-427-9400 and we will tell you whether we can help.

Which outpatient services carry the biggest insurance exposures?

Exposure follows what happens to the patient. Procedures involving anesthesia or sedation, diagnostic services where a missed finding can delay treatment, and services delivered outside the facility, such as patient transport, home visits and telemedicine across state lines, tend to drive the most serious claims. Facilities that store or handle specimens, medications or genetic data add property, pollution and privacy exposures that a standard office policy is not built to cover.

How does insurance change when an outpatient practice joins a partnership or health system?

Joining a partnership, management services organization or health system often changes which entity is responsible for insuring the practice and its providers. Claims-made professional liability may end, requiring tail coverage or prior-acts coverage under the new program. Contracts set new limit and indemnity requirements, and directors and officers liability becomes important when ownership is shared. Reviewing coverage before signing protects the practice from paying for gaps the deal created.

1. Identify which policies end and which entity’s program takes over for each provider.
2. Arrange tail or prior-acts coverage so past patient care stays insured.
3. Match limits and additional insured requirements in the new agreements.
4. Review management liability and cyber coverage for the combined organization.

Do you insure home health care agencies?

Yes. Home health and home care agencies provide care in clients’ homes rather than a facility, so their insurance is built around caregivers traveling between visits, care delivered in homes the agency does not control, and theft or abuse allegations. We cover skilled home health agencies and non-medical personal care companies, along with related services such as hospice and respite care. Our home health page explains those exposures in detail.

• Home Health Care — coverage for skilled home health and non-medical home care agencies