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Miscellaneous medical professional liability

Protection for outpatient medical facilities

The healthcare sector is experiencing drastic change, with a shift away from inpatient care to help control related treatment costs. As a result, the number of outpatient facilities providing medical services, from adult care, home health, and imaging to pharmacy, laboratory, and rehabilitation, is growing rapidly. However, this growth also comes with increased risk.

As facilities and their employees provide services, there are times when delivery may not go as planned — or is alleged to have not gone as planned. A single lawsuit could be financially devastating for the facility and affect its ability to operate.

Our miscellaneous medical professional liability solutions help protect facilities against legal, financial, and reputational risk arising from the services they provide.

A protective partnership

Solutions for complex risks

We offer miscellaneous medical professional liability insurance solutions for a broad range of facilities, from adult care centers, ambulances, and cardiac catheterization labs to home health centers, organ banks, and pharmacies.

Coverage highlights include:

  • Coverage is available on both an occurrence and a claims-made basis.
  • Primary policy limits of $1M/$3M or $2M/$4M, with separate limits for:
    • Professional liability
    • General liability
    • Employee benefits liability
    • Hired/Non-owned auto
  • Excess limits available up to $10M
  • Coverage available for:
    • HIPAA violations
    • Evacuation expense reimbursement
    • Public relations event reimbursement
    • Patient loss of property
    • Defense outside limit
  • Auto coverage available with a premium of $200K or below supporting PL/GL accounts

And every policy is backed by the financial strength and stability of a Fortune 100 company.

Expertise that delivers

With one of the most experienced teams in the industry, we’ve built a finely tuned response to address outpatient medical facilities’ top liability exposures.

You’ll benefit from knowledgeable underwriters with a robust understanding of loss trends and claim scenarios across different facility types who can develop creative solutions to meet your needs. And we leverage the skills of dedicated healthcare liability claims specialists to help minimize litigation and control costs.

We pair this expertise with a customer-centric service approach that keeps your risk-management goals top of mind.

Better claims outcomes

Our healthcare liability claims management approach focuses on close partnership with customers, brokers, and defense counsel to deliver the best possible outcomes.

Through our investment in hiring and developing experienced claims staff, and a culture that promotes accountability, we are equipped to resolve claims efficiently and with each insured’s best interests in mind.

Our miscellaneous medical facility liability customers also benefit from the following support and value-added services:

  • Consultation on post-incident remediation efforts to help minimize litigation
  • Recommendations on experts to provide testimony
  • Attendance at mediations, arbitrations, and trials to provide insight on litigation strategy and appropriate case settlement values
  • Active monitoring of national healthcare publications to track liability trends, judgments, and case settlements in all 50 states

Even with the most complex losses, we know how to streamline the claims process and minimize potential liability, helping to protect your facility’s reputation and bottom line.


Get in touch

Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.

Nadeene Wood-Clater

VP & Miscellaneous Medical Product Manager

Atlanta, GA

Related solutions

  • Federally qualified health center liability “gap” coverage

    Federally qualified health centers (FQHCs) receive grants under the Health Center Program (Section 330 of the Public Health Service Act) and are afforded protection under the Federal Tort Claims Act (FTCA) for liability arising out of their alleged acts or omissions related to medical malpractice.

    Because FQHCs typically engage in activities and provide services outside the Federal Section 330 scope, they often need “gap” or “wrap-around” coverage for those exposures, as well as for medical providers who do not qualify for protection under the FTCA. Our professional liability/general liability “wrap-around” solution for FQHCs helps address the potential gaps in coverage.


Related insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.