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 centre 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.
Entity-level cover for the facility itself, separate from the practitioners working inside it, with the procedure schedule underwritten explicitly.
Exposure created by independent contractors and credentialled physicians, including negligent-credentialling allegations.
Premises, patient and visitor injury, written to sit properly alongside the professional tower rather than duplicating or leaving a gap.
Radiology, laboratory and diagnostic exposures where a missed or misread result is the claim, not a physical injury.
Ground and air ambulance, including auto liability interaction and the emergency-response exposures standard forms exclude.
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.
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.