Medical Facilities

An insurance program designed exclusively for insuring a wide array of medical facilities.
medical lab

We know you need someone to help expand your capabilities and resources.  We’re here with solutions in hand. 

Global healthcare spending is projected to exceed $10 trillion by 2022, and the U.S. healthcare industry will represent 19.4% of the overall GDP by 2027.  Medical Facilities are considered the most precious pieces of real estate, commanding the highest price-per-square-foot over other kinds of commercial properties. 

Amwins Program Underwriters offers creative solutions to complex coverages and expert knowledge through our Medical Facilities insurance program.  The best part?  With the Medical Facilities program's 40+ years of experience on your side, you don’t have to be a guru to get uniquely rich access to specialty risk - and the expertise to match.  Partnering with us means you are our priority.

Focused on service, the Medical Facilities program includes a package of professional and general liability coverages based on the unique specifications of the facility.  We have the partnerships and deep understanding of the market exposures and we provide a broad range of coverage.

Eligible accounts

  • Healthcare rehabilitation providers
  • Clinics: community, family planning, rural & more
  • Allied health schools
  • College and university health centers
  • Community health centers
  • Dialysis centers
  • Emergicenters/urgicenters
  • Health departments
  • Imaging, x-rays, CT scans, MRIs and ultrasounds
  • Mobile healthcare operations
  • Medical laboratories, drug testing, paternity, pathology & more
  • Lipodissolve and other procedures
  • Sleep centers
  • Surgery centers

Ineligible accounts

  • Social services
  • Correctional care staffing
  • Drug and alcohol rehab
  • Nursing homes
  • Assisted living facilities
  • Independent living facilities


  • Professional liability
  • General liability (must write PL also)
  • Property (admitted)
  • Employee benefits liability (must write both PL & CGL also)
  • Package policy includes coverage for I.C.’s while working within the scope of duties for named insured
  • Bodily Injury definition includes mental anguish and mental injury on the CGL
  • Crime or fidelity bond (admitted)
  • Sexual abuse is included within the definition of “Professional Services Wrongful Act” in the policy form
  • Defense costs are generally outside policy limits on package policy
  • Ability to quote excess liability
  • Worldwide coverage (claim must be filed in the U.S.)
  • Workers' compensation - available through the AmeriComp Healthcare program

Coverage is provided on a non-admitted basis unless otherwise indicated.

Submission requirements

  • Medical Facilities application (new business or renewal)
  • 5-year company loss runs
  • Financials
  • Brochures

Please send completed applications to:

Medical Facilities
Program details



The program is available in all U.S. states.






A.M Best Rated "A"