Ambulatory Surgery Centers (ASCs) are one of the fastest-growing sectors in the healthcare industry, and they face unique liability exposures that require specialized insurance solutions. At Capitol Special Risks, we help brokers and agents place comprehensive, tailored liability coverage for ASCs of all sizes and specialties.
With access to multiple carriers and markets — including both admitted and non-admitted options — we can match your ASC clients with flexible, competitive coverage. Whether you're working with a single-specialty center or a multi-disciplinary facility, our team has the experience and market reach to help you secure the right protection.
Ideal Accounts and Appetite
Capitol Special Risks is an excellent partner for agents seeking coverage for a wide range of outpatient surgical facilities, including:
- Single-specialty and multi-specialty ASCs
- Standalone or hospital-affiliated centers
- Centers employing or contracting with physicians and medical directors
- Facilities performing elective outpatient procedures
A typical submission might include a facility with multiple ORs, part-time or full-time physicians on staff, and a need for coverage that extends to both clinical and administrative exposures.
Coverage Highlights and Advantages
Our Ambulatory Surgery Center Professional Liability program offers broad and flexible protection, including:
- Defense Outside the Limits with a Cap
- First Dollar Defense options
- Medical Director Coverage for administrative duties
- Incident Sensitive Trigger for claims reporting
- Multi-Year Extended Reporting Period (ERP)
- Personal Property Damage Coverage with no deductible
- Definition of Insured broadened to include former employees
- Loss Control and Risk Management Services – provided at no cost
Additional flexible options include:
- Primary and Excess limits up to $5 million
- Commercial General Liability, including Products and Completed Operations
- Coverage for scheduled physicians
- Flexible deductible structures
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on risk characteristics, services offered, and the number of providers. We work closely with agents to evaluate each submission individually and place the risk in the most appropriate market.
Capitol Special Risks never charges broker fees, streamlining your placement process and helping you deliver cost-effective solutions to your clients.
Territories and Availability
We offer this program in most U.S. states, including but not limited to: CA, FL, TX, NY, GA, IL, and NC. Coverage is available in all 50 states where permitted, with some admitted markets available depending on the state and risk profile.
Why Work With Capitol Special Risks?
As a wholesale broker with deep expertise in healthcare and professional liability, Capitol Special Risks provides responsive service and customized solutions to help you succeed in a competitive market. Our knowledgeable team understands the nuances of ASC exposures and can help you navigate complex coverage needs.
Whether you have a long-time ASC client or are quoting your first surgery center, Capitol Special Risks has the carriers, programs, and experience to support your business. Contact us today to learn how we can help you place your next ASC account.
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for standalone or affiliated Ambulatory Surgery Centers, including single-specialty and multi-specialty facilities that perform outpatient procedures.
Is Medical Director coverage included?
Yes, coverage for administrative duties of Medical Directors is available as part of the program.
Can scheduled physicians be included under the policy?
Yes, the program offers the option to include scheduled physicians, providing greater flexibility in structuring coverage.
What are the coverage limits available?
Primary and excess limits are available up to $5 million, depending on the risk and underwriting approval.
Is this program available nationwide?
Yes, the program is available in all 50 states, with some admitted markets accessible depending on state regulations and risk profile.
Need help placing an account? Connect with a market specialist.