Overview of the Program from Amwins Underwriting

This program is marketed through Amwins Underwriting as a Managing General Agency product for agents and brokers who place medical facility exposures. It is a package-oriented program that bundles professional liability with general liability and offers admitted property and fidelity bond options. The form language is responsive to facility risks (for example, the policy’s bodily injury definition on the CGL includes mental anguish/mental injury, and sexual abuse is defined within “Professional Services Wrongful Act” on the professional form).

Ideal Accounts and Appetite

• Rehab and residential rehabilitation facilities
• Community clinics, family planning clinics, rural health clinics
• Allied health schools and college/university health centers
• Community health centers and public health departments
• Dialysis centers, sleep centers, imaging centers (X-ray, CT, MRI, ultrasound)
• Emergicenters/urgent care centers and standalone surgery centers
• Medical laboratories (drug testing, paternity, pathology) and mobile operations
• Facilities offering cosmetic procedures such as lipodissolve

Generally a good fit for licensed facility operations with defined clinical protocols and documented credentials. The program can be used for single-site facilities and many types of mobile operations when exposures are within the program’s underwriting guidelines.

Coverage Highlights and Advantages

• Professional Liability (primary component of the package)
• General Liability (must be written with Professional Liability)
• Property — admitted paper available
• Employee Benefits Liability (requires PL and CGL to be placed)
• Package policy includes coverage for independent contractors while working within the scope of duties for the Named Insured
• Bodily injury definition on the CGL includes mental anguish and mental injury
• Crime / Fidelity Bond — admitted
• Sexual abuse included within the professional services wrongful act definition
• Defense costs are generally outside the policy limits on the package form
• Ability to quote Excess Liability
• Worldwide coverage available provided the claim is filed in the U.S.

Carriers participating on the program include Ironshore Insurance Services (a Liberty Mutual Company) for primary casualty, National Union Fire Insurance (an AIG Company) for bond capacity, and admitted property handled with Liberty Mutual admitted paper where applicable.

Underwriting Notes and Typical Restrictions

• This program is primarily non-admitted for casualty lines; property and fidelity bond are placed on admitted paper where available.
• General Liability will not be written standalone — Professional Liability must be included.
• Employee Benefits Liability requires both Professional Liability and Commercial General Liability on the policy.
• Underwriting focuses on documented credentialing, scope of services, patient flow, staffing ratios, and written protocols for higher-exposure procedures.
• Some high-risk procedures or uninsured facility operations may be excluded or require referral to specialty markets.

If you have specific accounts that include unusual services or higher limits, contact Amwins Underwriting to discuss referral or excess capacity options. For minimum premiums and specific retentions, please request current underwriting guidelines from Amwins — minimum premium information is determined on a case-by-case basis and is subject to carrier rules.

Territories and Availability

The program is available nationwide. Amwins Underwriting quotes this product for accounts across all states and the District of Columbia. Note the program places casualty on a non-admitted basis in most jurisdictions, while property and bond are placed as admitted paper where required.

Why Work with Amwins Underwriting on Medical Facilities

• Specialized program with 40+ years’ experience placing medical facility risk.
• MGA access to well-known specialty markets for casualty, bond, and admitted property.
• Package form features designed for facility exposures (IC coverage, expanded BI definition, sexual abuse wording within professional services).
• Ability to provide excess limits and worldwide coverage (with U.S.-filed claim requirement).
• Responsive underwriting for agents who submit complete credentialing and exposure information.

Example scenarios where this program commonly places business: You may have a medium-sized outpatient surgery center seeking combined professional and general liability with admitted property and crime coverage; or a community health center with multiple services (imaging, lab, and clinic) that needs a package policy and excess liability options.

How to Submit

Submit detailed applications and supporting credentialing, operation descriptions, and loss history to Amwins Underwriting through your usual wholesale/ MGA submission channel. Providing clear information on services performed, independent contractors, and any procedures performed onsite speeds the quote process.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.