Comprehensive Healthcare Facilities Insurance from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a Healthcare Facilities Insurance program to help agents place outpatient and non-hospital medical operations. As an experienced Excess & Surplus Lines broker, Continental Risk provides market access to A-rated carriers and tailored solutions for facilities that present unique professional liability, general liability, and property exposures.
Ideal Accounts and Target Classes
This program is designed for outpatient and non-hospital healthcare facilities that need combined professional and general liability protection, plus property where applicable. Typical classes include:
- Independent clinics
- Diagnostic imaging centers
- Outpatient surgery centers
- Medical laboratories
- Urgent care centers
- Pharmacies
- Similar outpatient healthcare facilities
Example fits: you might have a client opening a multi-site urgent care chain, or a diagnostic lab expanding equipment and staffing—both are the kind of risks this program targets. This program is generally not intended for inpatient hospitals, long-term acute care facilities, or facilities with high-risk cosmetic surgical practices; please confirm unique exposures with underwriters.
Coverage Highlights and Advantages
Continental Risk packages flexible coverages to address common and complex exposures for outpatient providers. Available coverages include:
- Professional Liability – defense and indemnity for malpractice and errors & omissions by clinical staff.
- General Liability – premises, slip-and-fall, product and Completed Ops exposure.
- Excess Liability – higher limits that sit above primary policies for catastrophic loss scenarios.
- Property – buildings, equipment, and contents (available up to $5,000,000 Total Insured Value).
Standard primary limits typically offered are $1,000,000 per occurrence / $3,000,000 aggregate for General and Professional Liability, with Excess Liability available up to $5,000,000. Property TIV is available up to $5,000,000 where admitted or non-admitted placement is appropriate.
Underwriting Notes and Minimum Premiums
Continental Risk works through a mix of admitted and non-admitted markets depending on state rules and risk characteristics. Minimum premiums vary by class and exposure; underwriting flexibility is available to accommodate both standard and harder-to-place accounts. To expedite quotes, agents should provide complete submissions including loss history, detailed descriptions of operations, staff credentials and licensure, lease or ownership information for premises, and current insurance schedules where applicable.
Territories and Availability
The program is available in most U.S. states. Territories include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Please confirm state-specific availability before submission.
Why Work With Continental Risk / Continental Marine Insurance Services?
As a specialist E&S broker, Continental Risk combines deep underwriting relationships with a market-driven approach to place complex outpatient healthcare risks. Agents benefit from access to A-rated markets, flexible admitted/non-admitted placement, and a team experienced with medical professional and premises liability nuances. Continental Risk aims to move quickly on submissions and provide pragmatic risk placement strategies for multi-location and growing practices.
Whether your client is launching a new imaging center or expanding urgent care locations, Continental Risk can help structure limits and coverages to match operational and regulatory needs.
Need help placing an account? Connect with a market specialist.