Clinic Professional Liability Program by Eastern Special Risk Insurance Agency
Eastern Special Risk Insurance Agency offers a focused Clinic Professional Liability program for outpatient medical facilities, public health clinics, and government or non-profit providers. With broad underwriting authority and market access — including Lexington Insurance Company — we help agents place complex, specialty accounts that require tailored professional and general liability solutions.
Ideal Accounts and Appetite
This program is a strong fit for:
- Outpatient-only facilities (no inpatient or acute care)
- Non-profit and governmental medical providers
- Community health centers, behavioral health clinics, and mobile health units
- Clinics with public health or environmental health programs
We can accommodate employed and independent physicians and dentists, either on an individual or full-time-equivalent (F.T.E.) basis. That flexibility makes the program well-suited for clinics that rely on part-time staff, visiting clinicians, or rotating providers.
Example accounts you might place: a county-operated mental health clinic with several part-time therapists, or a federally funded community health center that uses visiting dental professionals and performs environmental screening programs.
Coverage Highlights and Advantages
- Professional liability or a combined general and professional liability package
- Typical limits: $1,000,000 per claim / $3,000,000 aggregate
- Underwriting tailored for general medical and Mental Health Clinic (MHC) exposures
- Excess liability options for facilities that need higher limits
The program is structured to address the specific liability risks of outpatient and public-sector healthcare providers — including state-run clinics and federally funded health centers. Policies can be written to reflect whether clinicians are employed directly or engaged under contract.
Underwriting Notes and Submission Tips
We write outpatient-only facilities and do not entertain inpatient or acute care risks. When you submit an account, include a clear description of services offered, the staffing model (employed vs. contracted), claims history, and any government or non-profit designation. If multiple part-time providers are involved, provide F.T.E. calculations so we can underwrite appropriately.
The program is placed on a non-admitted basis through Lexington Insurance Company, which allows for flexible terms and customized coverage for specialty exposures.
Territories and Availability
Available nationwide in all 50 states and Washington, D.C., this program supports placements in urban, suburban and rural jurisdictions where public and nonprofit clinics operate with unique exposures.
Why Work With Eastern Special Risk Insurance Agency?
As a specialty general agency, Eastern Special Risk Insurance Agency has deep experience placing complex healthcare liability risks. We focus on niche exposures such as public health and environmental services and offer responsive underwriting and strong market access. Our team works directly with agents and brokers to structure policies that match operational realities of nonprofit and governmental providers.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Outpatient clinics, behavioral and mental health centers, and public or nonprofit healthcare entities that employ or contract physicians and dentists are prime candidates.
Can part-time providers be included on the policy?
Yes. Part-time clinicians can be covered using full-time-equivalent (F.T.E.) calculations so rotating or visiting providers are properly reflected in the exposure.
Does the program include general liability?
We offer professional liability alone or a combined general and professional liability package, depending on the facility’s needs.
Are inpatient facilities eligible?
No. This program is designed specifically for outpatient-only operations and does not cover inpatient or acute care facilities.
Which carrier is used for this program?
Policies are written through Lexington Insurance Company on a non-admitted basis, enabling tailored underwriting for specialty clinic risks.
Need help placing an account? Connect with a market specialist.