Medical Facilities

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

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Established over 40 years ago, APU's Medical Facilities program is tailored to meet the specific insurance needs of many types of medical facilities.  Focused on service, the 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.

Target Classes 

  • Rehab Facilities
  • 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 Scan, MRI and Ultrasound
  • Facilities or mobile operations
  • Medical Laboratories, Drug Testing, Paternity, Pathology & more
  • Lipodissolve and other procedures
  • Sleep Centers
  • Surgery Centers


This program is available in all states.


  • 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:

*This is intended as a brief overview of the coverages offered.  Please ask for complete copies of policies for a full description of coverage.