Overview — Ultra Risk Advisors Physicians/Facilities Insurance
Ultra Risk Advisors offers a flexible Physicians/Facilities Insurance program written on both admitted and non-admitted paper to meet the needs of medical professionals and healthcare facilities. As a managing general agency, Ultra places accounts with a panel of highly rated carriers (A- or better) and provides access to primary and excess capacity across a broad spectrum of healthcare classes.
Ideal accounts and appetite
This program is designed for agents who represent:
- Doctors and physician groups (including many specialty practices)
- Hospitals and inpatient facilities
- Medical and outpatient facilities (surgery centers, clinics)
- Allied health professions (therapy, imaging, diagnostics)
Typical fits include single- and multi-physician practices, ambulatory surgery centers, community hospitals, and facility management organizations. Accounts with organized risk-management programs and reasonable loss histories are a strong fit; accounts with catastrophic pending claims or long histories of repeated severe losses may require referral.
Coverage highlights and advantages
Ultra Risk Advisors pairs competitive pricing with broad coverage options to help you place complex healthcare risks. Core features include:
- Professional liability / medical malpractice and general liability
- Umbrella / excess follow form or structured excess capacity
- Directors & Officers (D&O) and Employment Practices Liability (EPLI)
- Cyber liability / privacy breach coverage
- Incident-sensitive triggers and optional first-dollar coverage
- Defense costs outside the limits and unlimited ERP options where available
Underwriting notes and submission guidance
As an MGA, Ultra works directly with agents to identify the best carrier placement. Underwriting focuses on practice type, patient volume, claims history, credentialing, and documented risk management. Common submission items include a current application, physician roster, prior acts/CV information, loss runs, and copies of existing policies.
Minimum premium: varies by carrier and line — see specific program pages or request a quote. Ultra can quote both admitted and non-admitted options in many cases to help place difficult risks or to secure broader limits.
Territories and availability
Available in most states. Current territories include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Coverage form and admitted status may vary by state and carrier.
Why work with Ultra Risk Advisors on Physicians/Facilities business
Ultra Risk Advisors provides specialized underwriting and access to multiple A-rated carriers so you can secure tailored solutions for medical clients. Their program combines flexible capacity (including excess and cyber), streamlined submissions, and risk management support designed for broker partners handling healthcare accounts.
Example account scenarios
- A three-physician orthopedic practice seeking combined professional and cyber coverage with an umbrella layer — Ultra can quote admitted primary or non-admitted placement with competitive excess limits.
- A small outpatient surgery center needing D&O and EPLI packaged with medical professional liability — Ultra can coordinate multi-line placements with carriers rated A- or better.
Frequently Asked Questions
What types of healthcare accounts are a good fit for Ultra Risk Advisors' Physicians/Facilities program?
The program fits doctors and physician groups, hospitals, outpatient and ambulatory facilities, and allied health providers. It is best for accounts with documented credentialing and moderate to good loss histories; Ultra also considers specialty practices and multi-line facility placements.
Are policies admitted or non-admitted?
Ultra places business on both admitted and non-admitted paper depending on state availability and carrier appetite. The program offers admitted solutions where available and non-admitted options to secure broader limits or handle tougher placements.
Which coverages beyond medical malpractice are available?
In addition to professional and general liability, the program can place Umbrella/Excess, Directors & Officers, Employment Practices Liability, and Cyber Liability with A-rated carriers as part of a combined solution.
What submission documents are typically required?
Standard submissions include a completed application, current loss runs, physician roster/CVs, risk management procedures, and copies of current policies. Specific requirements vary by carrier and line; contact Ultra for carrier-specific checklists.
How do I get a quote and what about minimum premiums?
Submit account details and loss history to Ultra Risk Advisors for a targeted quote. Minimum premium levels vary by carrier and state; the underwriter will confirm minimums on a per-submission basis.
Need help placing an account? Connect with a market specialist.