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Insurance for Endoscopy Centers

Insurance for endoscopy centers 

The risk is unique for Endoscopy centers. Sedation-related complications, perforation, bleeding, infection control lapses, or missed pathology can lead to serious patient harm, malpractice claims, or regulatory scrutiny. Insurance for endoscopy centers must address both clinical exposures (procedural errors, anesthesia issues, biopsy mishandling) and premises risks (patient falls, equipment incidents, data breaches).

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Whether you operate a single-specialty GI endoscopy center, multi-physician ASC, or hospital-affiliated outpatient unit, the right insurance program is essential to protect your patients, staff, and operations from procedural and sedation-related liabilities.

Homewood Insurance Group partners with top carriers to deliver tailored General Liability and Professional Liability coverage for endoscopy centers at competitive rates.

Contact us today for a fast, no-obligation quote customized to your center.

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Insurance for Endoscopy Centers can include:

  • Bodily Injury Coverage
  • Property Damage Coverage
  • Premises Liability including slips, trips, and falls
  • Completed Operations Coverage
  • Personal and Advertising Injury including Defamation (slander or libel)
  • Medical Payments Coverage
  • Legal Defense Costs
  • Legal defense expenses covered in addition to liability limits
  • Abuse and Molestation (SAM) Coverage (limited coverage)

Insurance for Endoscopy Centers can include:

Malpractice or liability insurance can provide essential protection against these risks:

  1. Professional Liability (Malpractice) Insurance

    1. Coverage for procedural complications, such as perforation, bleeding, or post-polypectomy syndrome.
    2. Protection against sedation/anesthesia errors, including oversedation, respiratory depression, or adverse reactions.
    3. Liability for missed pathology, inadequate biopsy sampling, or interpretation errors leading to delayed cancer diagnosis.
    4. Claims involving infection transmission from improper scope reprocessing or sterilization failures.
    5. Defense for informed consent issues or failure to disclose risks adequately.
    6. Coverage for advanced procedures (ERCP, EUS, stent placement) when within scope.
    7. Optional extensions for moderate sedation by non-anesthesiologists or research protocols.
    8. Policy limits typically up to $1,000,000 per claim / $3,000,000 aggregate, with prior-acts and tail coverage available.

  1. General Liability Insurance

    1. Third-party bodily injury coverage for slip-and-fall incidents in recovery areas, procedure rooms, or waiting spaces.
    2. Protection for injuries during patient transfers, scope handling, or equipment use.
    3. Property damage liability for accidental harm to patient belongings or facility structures.
    4. Personal and advertising injury coverage, including defamation or misleading marketing about screening efficacy.
    5. Coverage for multi-site operations or off-site consultations when scheduled.
    6. Cyber liability endorsement for data breaches involving endoscopy reports or scheduling systems.
    7. Abuse and Molestation (SAM) coverage, often with sub-limits, for patient interaction allegations.
    8. Standard limits commonly at $1,000,000 per occurrence / $3,000,000 aggregate, with umbrella options for high-volume centers.

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The Cost of Insurance for Endoscopy Centers

Costs are quoted annually unless noted, assuming no prior claims and standard endorsements. Higher procedure volume, advanced interventions (ERCP/EUS), or physician-administered sedation can add 30–80% surcharges, as carriers assess GI procedural and infection risks.

Professional Liability (Malpractice) Insurance – Estimated Ranges

  • Often around $5,000 – $12,000+ per year for a mid-sized center with clean history and $1M / $3M limits.

  • Centers performing high-risk procedures or with incident history may face surcharges of 40–100% or require specialty programs.

General Liability Insurance – Estimated Ranges:

  • Approx. $1,500 – $3,500 per year for a moderate-traffic facility with standard $1M / $3M limits.

  • Higher for centers with recovery bays, high patient throughput, or reprocessing areas.

Bundled GL + PL or package policies:

  • Combining coverages can range from $7,000 – $16,000+ per year for typical centers, with discounts for AAAHC/CMS accreditation. 

  • Larger or multi-physician operations will scale higher.

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Why do Endoscopy Centers need Insurance?

Endoscopy centers face specific challenges that necessitate the need for malpractice or liability insurance. The nature of endoscopic procedures, while minimally invasive, carries inherent risks and the potential for complications. Here are key areas where endoscopy centers are vulnerable to being sued for malpractice:

  1. Procedure-Related Complications: Complications can arise from the procedures themselves, such as perforation of the gastrointestinal tract, bleeding, or infections. While these complications are relatively rare, they can lead to significant patient harm and are a common basis for malpractice claims.

  2. Failure to Diagnose: Endoscopic procedures are often conducted to diagnose conditions. A failure to identify or correctly diagnose an ailment during the procedure can lead to delayed treatment and worsened health outcomes, making the center vulnerable to lawsuits.

  3. Inadequate Informed Consent: Patients must be fully informed about the risks, benefits, and alternatives to endoscopic procedures. Failure to obtain proper informed consent can result in legal action if patients experience adverse outcomes they were not adequately warned about.

  4. Sedation-Related Issues: Many endoscopic procedures require sedation. Complications related to anesthesia, including adverse reactions or improper sedation levels, can lead to patient harm and potential lawsuits.

  5. Inadequate Sterilization and Infection Control: Proper sterilization of endoscopic equipment is crucial to prevent infections. Outbreaks of infections linked to contaminated endoscopes have led to significant legal and financial consequences for healthcare facilities.

  6. Improper Post-Procedural Care: Post-procedure monitoring is essential to identify and manage complications early. Failure to provide adequate post-procedural care, leading to delayed recognition of complications, can result in patient harm and malpractice claims.

  7. Technical and Equipment Failures: Malfunctioning endoscopic equipment or technical errors during a procedure can lead to incomplete or inaccurate examinations, potentially causing harm to the patient and leading to claims of negligence.

  8. Failure to Follow Up: Endoscopy centers must ensure proper follow-up on biopsy results or other findings. Failure to communicate results or recommend further action can have serious implications for patient care and expose the center to liability.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For endoscopy centers, this insurance is crucial for mitigating the financial risks associated with providing complex medical procedures.

Westwood work with a number of different carriers to source the most suitable insurance for endoscopy centers at the best price. Get a quote today.

MedPro Group
Core Specialty
CNA Logo
Travelers Insurance
CFC Underwriting
Applied Underwriters
Tokyo Marine Insurance Group
crum-forster-bw
AIG Insurance
Ironshore
Strategic Comp
MagMutual
Genstar
Beazley
Empro Insurance
Great American Insurance
Skyward Specialty Insurance
Hudson Insurance Group
Huntersure Insurance
MIG Insurance
Kinsale Insurance

High-Risk Procedures and their Impact on your Premiums

Procedure / Risk Type Description & Risks Insurance Impact
Colonoscopy & Polypectomy Perforation, bleeding, or post-polypectomy syndrome from snare use or incomplete removal. Most common high-severity claims; PL premiums rise 40–70% for high-volume centers.
Moderate Sedation Respiratory depression, hypoxia, or cardiac events during propofol or midazolam administration. Significant exposure when non-anesthesiologists sedate; adds 30–60% surcharges.
ERCP & Sphincterotomy Pancreatitis, cholangitis, bleeding, or perforation in biliary procedures. Highest-risk GI intervention; often 50–100% premium increase or specialty markets.
Infection Control & Reprocessing CRE or pathogen transmission from inadequate scope cleaning/high-level disinfection. Outbreak potential; boosts rates 25–55% without documented audits and compliance.
Missed Pathology Interval cancers from inadequate visualization, biopsy, or follow-up recommendations. Delayed diagnosis claims; surcharges 20–45% emphasizing quality metrics.
Informed Consent Failures Patients not fully advised of perforation, bleeding, or sedation risks before procedures. Preventable allegations; increases PL 15–35% without standardized processes.

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What types of Insurance do Endoscopy Centers need?

 
General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.
 
 
Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects facilities against claims related to malpractice, negligence, or injury resulting from resident care. Staff members will typically be covered by professional liability insurance.
 
 
sexual-molestation

Sexual Abuse and Molestation Insurance

Provides coverage for your endoscopy center against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living industry.
 
 
Commercial Property Insurance

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.
 
 
workers compensation insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law. It protects endoscopy centers and employees in case of work-related injuries or illnesses.
 
 
Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.
 

Why Work With Homewood

Endoscopy centers face procedural, sedation, and infection risks that generic ASC policies often fail to cover adequately. At Homewood, we help you:

  • Partner with carriers experienced in GI endoscopy and ambulatory surgery, avoiding plans that undervalue perforation or reprocessing exposures.
  • Customize coverage for your procedure mix—screening colonoscopies to advanced ERCP—ensuring high-risk elements are explicitly included.
  • Strengthen applications with your accreditation, adenoma detection rates, reprocessing audits, and sedation training for better rates.
  • Build scalable programs for growth—adding physicians, volume, or new services without coverage gaps.
  • Fine-tune deductibles, limits, and add-ons like cyber or umbrella to meet regulatory, lender, and partnership requirements.

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Ralph Schiller

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Endoscopy Centers at the best price. You can call him or fill out the form and he will get your message directly.