Medical Facilities Liability


Medical Facilities Liability structured for flexibility and security.

Understanding the complexities and risks associated with healthcare takes expertise. The kind we’ve amassed at Caitlin Morgan Insurance Services. It also takes insight into the exposures and unique insurance needs of a wide range of medical facilities. We have that too. Putting this experience to work, Caitlin Morgan offers liability protection solutions for your healthcare clients.

Our Appetite for Medical Facilities

  • Small to medium-size risks – $5,000 minimum premium for most classes
  • Larger risks that require tailored programs with Deductibles/SIRs or Excess coverage

Available coverage options considered necessary for these specialized providers:

  • Employed physicians may be insured with the facility
  • Hired and Non-owned auto liability
  • Independent contractors as insureds
  • Stand-alone excess coverage

Eligible Risks

Medical facilities and providers offering health care services within these broad categories:

  • Acupuncturists
  • Adult Day Care Centers
  • Alcohol and Drug Rehabilitation Centers
  • Allied Medical Training Schools
  • Alternative Therapies
  • Ambulance Services
  • Ambulatory Surgical Centers
  • Anti-aging Medical Spas
  • Athletic Fitness Trainers
  • Behavioral Health and Counseling – outpatient and inpatient
  • Case Managers
  • Chiropractic Services
  • Counseling Services
  • Day Spas
  • Dental Clinics
  • Dialysis Centers
  • Drug and Alcohol Testing Facilities
  • Healthcare Staffing Agencies
  • Holistic Medicine Clinics
  • Home Health Agencies
  • Home Health Care – skilled medical and personal care services
  • Hospice – home care and inpatient facilities
  • Laboratories providing medical, dental, or other testing and specialty services
  • Massage Therapists
  • Medical Clinics
  • Medical Imaging Facilities
  • Medical Testing Labs
  • Nurse Practitioners
  • Nurse Registries
  • Nutritionists
  • Occupational Therapists
  • Optometrists
  • Pharmacies
  • Physical Therapists
  • Post Mortem Services
  • Psychologists
  • Radiology and Imaging – including MRI facilities, CT and PET scans, X-ray labs
  • Rehabilitation – cardiac, developmentally disabled, physical/occupational, substance abuse and trauma – including inpatient exposures
  • Sleep Clinics
  • Speach Therapists
  • Specialty Pharmacies
  • Treatment facilities for cancer and disease management
  • Utilization Review Services
  • Weight Loss Clinics (no surgery)


  • $5 million capacity for primary Professional and General Liability
  • $10 million in excess capacity
  • Separate towers for Professional and General Liability Coverage
  • Claims-Made and Occurrence coverage available (Occurrence PL for select classes only)

Coverages Offered

Professional Liability Insurance (E&O)

General Liability

Commercial Property

Commercial Auto

Binging Authority


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