Acute Care & Surgery Centers
Ambulatory surgery centers, urgent care, birthing centers, hospitals, specialty hospitals, and emergency air and ground services.
Facility placements turn on acuity and procedure mix far more than on square footage or headcount. An ambulatory surgery center doing routine ophthalmics and one doing spine sit in completely different rating territory, and underwriters will price the highest-acuity procedure on the schedule rather than the average.
These risks also carry a stacked exposure that individual practitioners don't: the facility, the employed staff, the credentialled independent physicians, and the equipment all generate their own claims. Getting the corporate and vicarious pieces right at submission is usually where the value is.
The cover that actually responds.
Facility professional liability
Entity-level cover for the facility itself, separate from the practitioners working inside it, with the procedure schedule underwritten explicitly.
Vicarious and credentialling liability
Exposure created by independent contractors and credentialled physicians, including negligent-credentialling allegations.
General liability
Premises, patient and visitor injury, written to sit properly alongside the professional tower rather than duplicating or leaving a gap.
Equipment, imaging and diagnostics
Radiology, laboratory and diagnostic exposures where a missed or misread result is the claim, not a physical injury.
Emergency and transport services
Ground and air ambulance, including auto liability interaction and the emergency-response exposures standard forms exclude.
What it costs.
Indicative annual premium — by facility type
Professional liability unless marked. General liability for these facilities typically runs $1,500 to $30,000 depending on size and foot traffic.
| Operation | Indicative annual premium |
|---|---|
| Outpatient clinic — low acuity | $3,000 – $8,000 |
| Imaging or diagnostic center | $5,000 – $12,000 |
| Medical laboratory — small clinical | $2,500 – $6,000 |
| Medical laboratory — large / high volume | $15,000 – $35,000 |
| Urgent care center | $8,000 – $20,000 |
| Dialysis — 8 to 15 stations | $8,000 – $18,000 |
| Dialysis — large or multi-site network | $30,000 – $75,000 |
| Ambulatory surgery center | $15,000 – $50,000 |
| Multi-specialty outpatient facility | $20,000 – $75,000 |
| Ground ambulance / EMS — small | $5,000 – $15,000 |
| EMS — large regional or hospital-based | $40,000 – $100,000 |
| Cancer center — comprehensive | $75,000 – $200,000 |
Indicative market ranges for 2026, shown to help you scope a risk before you submit it — they are not quotes and not an offer of coverage. Actual premium depends on venue, claims history, limits, staffing and documented controls, and can fall outside these ranges in either direction. Every risk is individually underwritten.
What moves the number.
Pushes premium higher
- High-acuity procedures on the schedule — spine, cardiac, bariatric
- Overnight or extended-stay capability in a facility rated as outpatient
- Credentialled independents without their own adequate limits
- Obstetric services of any kind, including birthing centers
- Emergency response and transport exposures
Keeps premium lower
- A tightly-defined, accurately-declared procedure schedule
- Robust credentialling files and documented peer review
- Accreditation in good standing and clean survey history
- Transfer agreements and escalation protocols in place
- Facility and practitioner cover placed as one program
Bring us the whole segment.
- Ambulatory surgery centers
- Urgent care centers
- Hospitals and specialty hospitals
- Birthing centers
- Dialysis centers
- Oncology and cancer treatment centers
- Imaging and MRI centers
- Medical laboratories
- Air and ground ambulance services
- Blood and organ banks
Have a risk in this class?
Send it over and we’ll get it in front of the right underwriters — matched to appetite, and before a competing broker locks the market.