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...clients’ financial exposure after surgery. Typical clients include: Pat...additional medical bills or revision surgery. You may place a medical spa ...

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Smith Bell & Thompson, Inc. offers a specialized Medical Facilities insurance program designed to meet the unique liability exposures of a wide range of healthcare operations. This program is ideal for agents and brokers seeking access to comprehensive coverage solutions for non-hospital medical facilities, including both outpatient and rehabilitative care providers. Ideal Accounts and Appetite Cardiac rehabilitation centers College and university health centers Community health clinics and health departments Hospices (more than 9 beds) Medical laboratories and imaging centers (X-ray, MRI, CT, etc.) Physical and trauma rehabilitation facilities Sleep study clinics and surgical centers If you're working with a client that operates a specialty healthcare facility outside of the traditional hospital model, this program is built to accommodate their needs. For example, you might have a sleep study center expanding into multiple states or a physical rehab center looking to enhance its liability protection. These are strong candidates for this offering. Coverage Highlights and Advantages Professional Liability and General Liability offered on a combined claims-made form Coverage provided on a non-admitted (surplus lines) basis, allowing for greater flexibility in underwriting Workers’ Compensation available on an admitted basis for qualifying accounts Backed by AIG, a leading insurer with deep expertise in healthcare-related risks This program addresses the complex risks faced by healthcare providers, including malpractice allegations, general liability exposures, and employment-related injuries. The surplus lines structure allows for customized solutions that can be tailored to unique operational models and risk profiles. Underwriting Notes and Minimum Premiums Underwriting is focused on facilities that demonstrate sound risk management practices, appropriate licensure, and experienced staff. Although minimum premium details vary by risk type and location, accounts should be substantial enough to fit within a surplus lines framework. Facilities with a history of claims, inadequate documentation, or operating outside of standard medical guidelines may not qualify. Territories and Availability This Medical Facilities insurance program is available in most states, including but not limited to: CA, NY, TX, FL, IL, and PA. Smith Bell & Thompson writes business across all 48 contiguous states as well as AK and HI, plus the District of Columbia. Please contact underwriting for specific state requirements or limitations. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson, Inc. brings decades of experience in placing complex liability risks for niche industries, including healthcare. Their strong carrier relationship with AIG allows them to craft specialized programs that serve the varied needs of medical facility operators. As a wholesale partner, they provide responsive service, expert underwriting, and access to competitive markets. Whether you're looking to place a standalone imaging center or a multi-location rehab facility, Smith Bell & Thompson can help you navigate the placement process smoothly—and successfully. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal 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 coverage is written on a non-admitted (surplus lines) basis. Workers’ compensation is available on an admitted basis. What carriers support this program?The program is backed by AIG, a financially strong and experienced insurer in the healthcare space. Are there any states where this program is not available?This program is available in most states, including all 48 contiguous states, Alaska, Hawaii, and the District of Columbia. Contact the underwriting team for specific state eligibility. Can I submit an account with prior claims?Accounts with a strong risk management history are preferred. Prior claims will be reviewed on a case-by-case basis and may affect eligibility. Need help placing an account? Connect with a market specialist.