Ideal Accounts and Appetite
- Cardiac rehabilitation centers
- College and university health centers
- Community health clinics and local health departments
- Hospices (more than 9 beds)
- Medical laboratories and diagnostic imaging centers (X-ray, MRI, CT, etc.)
- Physical and trauma rehabilitation facilities
- Sleep study clinics and outpatient surgical centers
If your client operates a specialty healthcare facility where primary exposure is clinical care rather than inpatient hospital services, this program is a strong option. Examples of good fits include a sleep study center expanding into multiple states or a multi-location physical rehabilitation network seeking consolidated professional liability protection.
Coverage Highlights and Advantages
- Professional liability and general liability combined on a claims-made form for streamlined defense and indemnity handling
- Written on a non-admitted (surplus lines) basis to allow flexible wording and broader underwriting authority
- Workers’ compensation available on an admitted basis for qualifying accounts
- Underwritten capacity supported by AIG, bringing extensive experience in healthcare risks
The program is structured to address common exposures for specialty providers—medical malpractice allegations, premises and operations liability, and employment-related injury exposures—while providing surplus lines flexibility to tailor limits and endorsements to unusual operational models.
Underwriting Notes and Minimum Premiums
Underwriters look for licensed facilities with documented risk management programs, established clinical policies, and experienced clinical staff. While minimum premium requirements vary by state and exposure, the program is intended for accounts substantial enough to justify surplus lines placement.
Applicants with frequent or severe prior claims, inadequate documentation, or operations outside accepted clinical guidelines may not meet eligibility standards. Appropriate credentialing, policy documentation, and incident reporting programs materially improve placement prospects.
Territories and Availability
This Medical Facilities program is available in most states, including but not limited to CA, NY, TX, FL, IL, and PA. Smith Bell & Thompson places business across all 48 contiguous states as well as Alaska, Hawaii, and the District of Columbia. Contact underwriting for any state-specific filing considerations or limitations.
Why Work With Smith Bell & Thompson, Inc.?
Smith Bell & Thompson combines niche healthcare underwriting expertise with strong carrier relationships to place complex liability risks for specialty medical facilities. As a wholesale partner, they provide responsive underwriting, pragmatic risk evaluation, and access to AIG’s capacity—helping you secure tailored coverage for accounts that don’t fit standard hospital products.
Whether you’re placing a single-site imaging lab or a regional rehab chain, Smith Bell & Thompson can help navigate terms, endorsements, and multi-state issues to achieve a clean placement.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program works well for outpatient and specialty healthcare facilities such as rehab centers, imaging labs, sleep clinics, hospices (with more than 9 beds), and university health centers.
Is the coverage admitted or non-admitted?
Professional and general liability are written on a non-admitted (surplus lines) basis. Workers’ compensation is available on an admitted basis where applicable.
What carriers support this program?
The program is backed by AIG, a financially strong insurer with deep experience in healthcare liability underwriting.
Are there any states where this program is not available?
The program is available in most states, including all 48 contiguous states, Alaska, Hawaii, and the District of Columbia. Contact underwriting for specifics on state eligibility and filing requirements.
Can I submit an account with prior claims?
Prior claims are considered on a case-by-case basis. Accounts with strong risk management, good documentation, and credible corrective actions are more likely to receive favorable consideration.
Need help placing an account? Connect with a market specialist.