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Insurance for Medical Arts Schools

Insurance for medical arts schools 

Medical arts schools provide vital classroom learning and clinical training in allied health fields, but these institutions also face unique liability exposures. From invasive simulations to partnerships with clinical sites, the combination of education and patient-facing practice creates malpractice and general liability risks that require tailored coverage.

Homewood Insurance helps medical arts schools secure the right liability protection to safeguard students, faculty, and institutional reputation. This page outlines what your insurance should include, how much it typically costs, and which programs or procedures can increase premiums or trigger carrier scrutiny.

  • What Insurance Includes – summary and detailed breakdown of Professional Liability and General Liability protections for medical arts schools.
  • Cost of Coverage – typical premium ranges and factors influencing price based on enrollment, scope, and training programs.
  • Higher-Risk Exposures – procedures and educational elements that elevate premiums or risk coverage denial.
  • Why Work With Homewood – how we help vocational and allied health schools navigate underwriting and secure the best coverage.

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for medical arts schools is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.

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Insurance for Medical Arts Schools 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 Medical Arts Schools can include:

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

  1. Professional Liability (Malpractice)

    1. Coverage for clinical training errors, student malpractice during supervised procedures, and negligence in education delivery.
    2. Protection against claims tied to inadequate supervision, outdated curriculum, or failure to prepare students for certification/licensing exams.
    3. Defense for claims of discrimination, harassment, or failure to provide a safe learning environment.
    4. Applies to programs such as nursing, phlebotomy, radiology, physical therapy, and other allied health training.
    5. Coverage available through specialized carriers.

  2. General Liability

    1. Premises liability for bodily injury and property damage.
    2. Facility-related exposures: slips and falls, equipment malfunction, lab accidents.
    3. Coverage for personal/advertising injury such as defamation.
    4. Abuse/molestation coverage available, often with sublimits.
    5. Defense costs provided in addition to limits under most forms.

Homewood Insurance Group work with  different insurance carriers to find you the most suitable coverage at the best price. Get a quick quote now.

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Cost of Insurance for Medical Arts Schools:

Premiums are influenced by specialty mix, litigation environment, facility size, and claims history. Carriers also evaluate risk management protocols such as credentialing, peer review, and informed consent.

Professional Liability— Typical Annual Ranges

  • Small school (<100 students): $1,500 – $5,000.
  • Mid-sized (100–200 students): $5,000 – $15,000+.
  • Large/vocational system: custom quoted; often $25,000+.

Key factors in determining Medcial Arts Schools professional liability insurance premiums: accreditation status, clinical programs offered, supervision ratios, faculty/student mix, claims history, and compliance with OSHA/HIPAA.

General Liability — Typical Annual Ranges:

  • Small facility: $500 – $2,000.
  • Mid-sized Facility: $2,000 – $5,000.
  • Large or multi-site facilities: $5,000+.

Key factors in determining Medcial Arts Schools general insurance premiums: property exposures, lab facilities, equipment safety, student and visitor traffic, abuse/molestation protocols.

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MedPro Group
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Travelers Insurance
CFC Underwriting
Applied Underwriters
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AIG Insurance
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MagMutual
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Great American Insurance
Skyward Specialty Insurance
Hudson Insurance Group
Huntersure Insurance
MIG Insurance
Kinsale Insurance

High-Risk Procedures and their Impact on your Premiums

Medical arts schools are rarely declined outright if accredited, but certain programs and exposures drive premiums upward or trigger modified terms. Refusals occur for unaccredited operations, lack of supervision at clinical sites, or repeated severe claims.

Activity / Exposure Why It’s Higher Risk Controls Required Insurance Impact
Hands-on clinical simulations Student errors (e.g., needle sticks, wound care mistakes) Faculty supervision, waivers, safety audits 30–60% PL surcharge; GL increase for lab accidents
High-risk labs (phlebotomy, IV therapy) Infection or vascular injury risks Post-exposure protocols, protective equipment, training 40–80% premium increase; >100% if unsupervised
Off-site clinical rotations Vicarious liability for student errors at partner sites Formal agreements, site audits, supervision logs 50–150% PL increase; surcharges for high-acuity sites
Programs with vulnerable populations Increased claims for inadequate supervision or abuse Background checks, supervision ratios, incident reporting 25–75% PL/GL surcharge depending on setting
Radiology / surgical technician training Radiation exposure; mock surgical errors Detailed safety protocols, sterile procedure training 20–100% PL surcharge; specialized underwriting required
Large enrollments / low faculty ratio Overcrowding raises supervision and safety risks Maintain >1:10 faculty ratio; staggered labs 20–50% premium increase; possible capacity limits
International or study-abroad rotations Jurisdictional risks, varied standards of care Worldwide endorsements, travel policies, contracts 30–60% surcharge; sometimes excluded

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Other types of Insurance that Medical Arts Schools may 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 medical arts school 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 medical arts schools 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

  • Specialty expertise in educational liability and allied health training programs.
  • Market access to nearly 100 carriers, including those focused on vocational schools and allied health education.
  • Guidance on tailoring coverage for classroom vs. clinical exposures.
  • Support through the full lifecycle: from application to carrier negotiations to claims.
  • Risk management insight on accreditation, supervision, and compliance.

Call 947-274-3093 or
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Ralph Schiller

Ralph Schiller

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