Clinic Professional Liability Program by Eastern Special Risk Insurance Agency
Eastern Special Risk Insurance Agency provides a focused Clinic Professional Liability program designed to meet the needs of outpatient medical facilities, public health clinics, and government or non-profit entities. With broad underwriting capabilities and access to top-tier markets, including Lexington Insurance Company, we help agents place complex accounts that require specialized attention and tailored liability solutions.
Ideal Accounts and Appetite
This program is ideal for:
- Outpatient-only facilities
- Non-profit and governmental medical providers
- Community health centers, behavioral health clinics, and mobile units
- Facilities with public health or environmental health exposures
We can accommodate both employed and independent physicians and dentists, on either an individual basis or full-time equivalent (F.T.E.) basis—making it a strong fit for clinics that rely on part-time staffing or rotating providers.
Example accounts include a county-run mental health clinic with multiple part-time therapists, or a non-profit community health center with visiting dental professionals and environmental screening programs.
Coverage Highlights and Advantages
- Professional liability or a combined general and professional liability package
- Limits of $1 million per claim / $3 million aggregate
- Coverage tailored for general medical or Mental Health Clinic (MHC) exposures
- Excess liability options available for facilities needing higher limits
This program is designed to respond to the unique liability challenges faced by outpatient and public-sector healthcare providers, such as state-run clinics and federally funded health centers. Whether your client employs healthcare professionals directly or contracts with them, we can structure coverage accordingly.
Underwriting Notes and Submission Tips
We welcome submissions for outpatient-only facilities and do not currently target inpatient or acute care facilities. When submitting, please provide details on the type of services offered, staffing structure (employed vs. contracted), claims history, and any government or non-profit designation. We can consider multiple part-time providers under F.T.E. calculations.
The program is offered on a non-admitted basis through Lexington Insurance Company, allowing for flexible underwriting and customized coverage solutions.
Territories and Availability
This program is available in all 50 states and Washington, D.C. Our broad geographic footprint allows you to place business nationwide, including harder-to-place jurisdictions or rural areas where public and nonprofit clinics operate with unique exposures.
Why Work With Eastern Special Risk Insurance Agency?
Eastern Special Risk Insurance Agency brings deep expertise in placing complex healthcare liability risks with a focus on niche exposures such as public health and environmental services. As a general agency with strong market access and responsive service, we work closely with agents and brokers to structure appropriate solutions for their clients. Our team understands the operational realities of nonprofit and governmental healthcare providers and can help you navigate their distinct insurance needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is best suited for outpatient clinics, mental health centers, and public or nonprofit healthcare entities that employ or contract physicians and dentists.
Can part-time providers be covered under this policy?
Yes, we can cover part-time physicians and dentists on a full-time equivalent (F.T.E.) basis, making it ideal for facilities with rotating or limited-hours staff.
Is general liability included in this program?
Yes, we offer both professional liability alone or a combined general and professional liability package, depending on the needs of the insured.
Are inpatient facilities eligible for this program?
No, this program is specifically designed for outpatient-only facilities and does not cover inpatient or acute care operations.
What carrier backs this program?
The program is written through Lexington Insurance Company on a non-admitted basis, providing flexible underwriting and broad coverage capabilities.
Need help placing an account? Connect with a market specialist.