https://completemarkets.com/company/demetriou-group/medical-offices-insurance/
At Demetriou Group we offer tailored Medical Offices Insurance solutions designed for independent agents and brokers placing medical and allied health risks.
Overview of the Program from Demetriou Group
This Managing General Agency program is positioned to place a broad range of medical office and outpatient clinic risks. Demetriou Group works with multiple carrier partners (varies by account) to provide a package approach that combines general liability, professional (medical) liability, excess limits and property capacity appropriate for medical practices, diagnostic labs and other outpatient services.
Ideal Accounts and Appetite
The program targets small to mid-sized medical office operations and outpatient facilities. Typical classes that fit well include:
AIDS testing services
Alcohol and drug centers
Audiologists
Chiropractors
Dental offices & labs
Diagnostic imaging and X-ray labs (including MRI, lithotripsy)
Home health agencies and mobile diagnostic centers
Medical billing services and lab technicians
Mental health clinics, counselors, psychologists, social workers, therapists
Optometry offices, urgent care and standalone surgery centers
Accounts with routine outpatient diagnostic and treatment exposures, stable risk controls, and standard staffing levels are the primary focus. High-hazard inpatient facilities, large ambulatory surgery centers with complex procedures, or operations with documented regulatory actions may require special review or be outside appetite.
Coverage Highlights and Advantages
Commercial General Liability: typically available at $1,000,000 per occurrence.
Professional (Medical) Liability: capacity referenced at up to $3,000,000 aggregate through the program.
Excess Liability: excess limits may be available up to $5,000,000 depending on carrier placement.
Property: options to place up to $5,000,000 TIV (total insured value) when needed.
Employee Benefits Liability: available as part of the package where required.
Because Demetriou Group works with multiple markets, you gain flexibility to tailor limits and coverages to the client’s exposure profile while keeping placement options centralized through one underwriting partner.
Underwriting Notes and Minimum Premiums
Underwriting considers specialty, claims history, patient volume, procedures performed, and facility controls (infection control, credentialing, security). Minimum premium and specific terms vary by carrier and state—consult the program for quoting guidance. Be prepared to submit a detailed application, loss runs, and facility information for faster evaluation.
Territories and Availability
This program is available through Demetriou Group in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Availability and admitted vs. non-admitted options vary by state and carrier; confirm placement options at submission.
Why Work with Demetriou Group on Medical Offices Insurance
As a managing general agency focused on specialty commercial lines, Demetriou Group provides underwriter access across multiple carriers, experienced medical-lines underwriting, and the flexibility to structure combined GL/PL/property packages. That makes it efficient for agents to present a single submission and pursue tailored solutions for a variety of outpatient and clinic risks.
Example Scenarios
• You have a two-provider outpatient physical therapy clinic seeking combined general and professional liability with modest property limits — this program can provide package options with tailored limits.
• You represent a diagnostic imaging center (MRI/X-ray) that needs professional liability, facility liability and excess capacity — the program’s carrier panel can be used to assemble the appropriate layered limits.
For quoting, submit the client’s completed application, recent loss runs, facility details and any provider credentialing documentation. Carriers and minimum premiums vary; contact Demetriou Group for current appetite and submission guidance.
Frequently Asked Questions
What types of medical offices are a good fit for this program?This program is best for outpatient clinics and medical offices such as dental practices, diagnostic labs (MRI, X-ray), urgent care centers, behavioral health clinics, therapists, optometrists, and similar allied health providers with routine outpatient procedures.
Which states is the program available in?Demetriou Group currently markets this Medical Offices Insurance program in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Coverage availability and whether an admitted or non-admitted placement is used depend on the state and carrier.
What documentation should I include with a submission?Provide a completed application, most recent loss runs (typically 5 years if available), facility information (services offered, staffing, controls), and credentialing or licensing details for providers. Additional attachments may be requested depending on the risk.
Are excess limits and property available through the program?Yes. Excess liability capacity (up to $5M referenced) and property limits (up to $5M TIV referenced) are available through market partners, subject to underwriting and carrier approval.
Who do I contact for quoting and placement guidance?Submit the account to Demetriou Group with the requested documentation. Because carriers and minimum premiums vary, the program underwriters will review and advise on appetite, required attachments and next steps for placement.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/Amwinsunderwriting/Lawyers-Professional-Liability/