Professional services
Match professional liability discussions to the services, procedures, credentials, and staffing model.
Coverage for outpatient healthcare operations
Medical Facility Insurance
Medical offices and outpatient facilities depend on licensed professionals, specialized equipment, safe premises, reliable systems, and protected patient information. GLG helps organize commercial coverage around those connected exposures.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Premises and equipment
Consider treatment spaces, tenant improvements, medical equipment, supplies, and income after a covered loss.
Privacy and systems
Review cyber and privacy-event coverage for patient information, networks, vendors, and operational disruption.
Facilities that may need specialized coverage
The term medical facility can include many different operations, and carriers may evaluate each one differently.
- Physician and specialty medical offices
- Outpatient and ambulatory care facilities
- Urgent care and walk-in clinics
- Imaging and diagnostic centers
- Rehabilitation and therapy facilities
- Dialysis, infusion, and other treatment centers
Coverage to consider
Coverage should be selected only after reviewing the services provided, property values, staffing, contracts, and applicable insurance requirements.
- Professional liability or medical malpractice
- General liability and umbrella or excess liability
- Property, equipment breakdown, spoilage, and business income
- Workers’ compensation and employment practices liability
- Cyber liability and privacy-event response
- Commercial auto or hired and non-owned auto, when applicable
Preparing for an insurance review
Carriers may request details about procedures, patient visits, provider specialties, licenses, ownership, contractors, equipment, revenue, safety protocols, data security, and prior claims. Complete information helps reduce delays and avoid coverage assumptions.
Common questions
Medical Facility Insurance FAQ
Does a medical office need both professional and general liability insurance?
Often, because the policies address different types of allegations. The appropriate coverage depends on the services, contracts, and organization.
Can medical equipment be insured?
Commercial property and equipment breakdown coverage may address eligible equipment, subject to covered causes of loss, exclusions, valuation terms, deductibles, and limits.
Does medical facility insurance cover patient data breaches?
Not automatically. Cyber or privacy coverage is generally reviewed separately and should reflect the organization’s data, systems, vendors, and incident-response needs.
Talk through your options