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What you need to know about professional liability insurance for the medical industry

There are risks involved in all industries. But, when people earn their living based on their knowledge and expertise—like those who work in the medical industry—the risks become a bit more complex and unique.

In the medical industry, it's not uncommon for professionals to be faced with lawsuits related to medical expenses, bodily injury, damage to property and more. These lawsuits can be costly, and can cause damage to the reputation of the medical professional or company.

In order to combat the complexity of these risks, it's necessary for companies in the medical industry to obtain professional liability insurance.

When referring to professional liability insurance in the medical industry, medical malpractice is the most common form. Admiral's medical malpractice coverage is tailored specifically for physicians, surgeons and dentists. But, in addition to typical medical malpractice, there are also a number of other types of specialized professional liability insurance available for other areas of the industry.

The following are a few examples of the types of businesses that can benefit greatly from professional liability insurance designed specifically for the medical industry—like our AdmiralPro Delta® MED product.

Ambulatory Surgery Centers

Ambulatory surgery centers are a great place for patients to obtain same-day surgical care for procedures like bariatric surgeries, plastic surgery, pain management procedures and more. Because these facilities offer a unique type of care, they can also create unique risks.

Clinical Research Organizations

Clinical trials are a wonderful way to advance medical procedures, drugs and more. But, the complex nature of clinical trials introduces a vast number of risks. If your client offers clinical trials, it's imperative that they obtain specialized insurance to protect their skilled professionals and their research organization.

Medical Spas

The medical spa industry is one that is growing rapidly—from anti-aging to aesthetic procedures. And, with this rapid growth, it's important to recognize the possible risks and establish coverage that protects every aspect of a medical spa business.

Home Health Care

Home health care allows the opportunity for people to receive necessary medical services and care—like hospice and physical therapy—within the comfort of their own home. Because this type of health care occurs in the patients' homes, it produces a number of additional risks.

Healthcare Facilities and Medical Organizations

Healthcare facilities come in all shapes and sizes. Some examples include traditional hospitals, urgent care facilities, blood banks and more. Some of these facilities offer services that are more high-risk than others, which is why it's important to pursue a professional liability policy that offers flexibility.

What you need to know

As you can see, there are number of different types of businesses and organizations within the medical industry—and we've only just scratched the surface.

Ultimately, the most important thing to remember when it comes to professional liability insurance and the medical industry is that each type of businesses is different, and therefore produces unique risks. This makes it's essential to obtain specialized insurance coverage for the best protection.

Products like AdmiralPro Delta® MED make this possible, because it allows medical organizations to obtain insurance that fits their unique needs.  provides medical malpractice insurance for physicians.


Products and services described above are provided through various surplus lines insurance company subsidiaries of W. R. Berkley Corporation and offered through licensed surplus lines brokers.  Not all products and services may be available in all jurisdictions, and the coverage provided by any insurer is subject to the actual terms and conditions of the policies issued.  Surplus lines insurance carriers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.


Greg Ferrell

Written by Greg Ferrell

Greg has more than 15 years of experience in the insurance industry, primarily focused on the healthcare/medical business segment. He has been with Admiral since 2015 and is a Vice President of Professional Liability, based in Austin, TX. In his spare time, you can find Greg playing a round of golf.

Topics: ambulatory surgery centers, medical spas, home healthcare, clinical trials


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