Skip to content
Search icon

Insurance for Outpatient Care Providers

Insurance for Outpatient Care 

Outpatient care providers face unique liability risks, from diagnostic errors to visitor injuries. At Homewood Insurance, we make it easy to understand what’s included in your policy, how much coverage typically costs, and which activities may increase premiums. This page covers:

  • What Insurance Includes– detailed PL protections (GL rarely applies except for office-based practices).
  • Cost of Coverage– state-based premium ranges and drivers.
  • Higher-Risk Exposures– scenarios that elevate premiums or trigger claims. Coverage Denials and Premium Increases – when carriers may decline coverage or raise rates significantly.
  • Why Work With Homewood– how we secure strong coverage in tough markets.

Get a Free Quote Now

The fastest way to find out how much coverage will cost for your outpatient care facility is to fill out our quick quote form. Homewood will compare multiple carriers and deliver a tailored insurance proposal that protects your business, your staff, and your patients.

Card image icon

Insurance for Outpatient Care Providers can include:

  • Professional liability for diagnostic errors, treatment mistakes, and follow-up failures.
  • General liability for third-party injury or property damage at outpatient facilities
  • Coverage for multi-specialty clinics, urgent care, rehab, and diagnostic centers.
  • Applies to physicians, nurse practitioners, therapists, staff, and administrators.
  • Standard limits up to $1M per claim / $3M aggregate; tail and prior acts available.
  • Optional endorsements for telemedicine, home visits, and multi-location practices.

More Information

Insurance for Outpatient Care Providers can include:

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

  1. Professional Liability (Malpractice)

    1. Coverage for misdiagnosis, delayed diagnosis, or failure to refer patients to specialists.
    2. Protection against treatment mistakes, surgical errors in minor procedures, and medication administration errors.
    3. Legal defense for claims involving inadequate follow-up care or failure to monitor chronic conditions.
    4. Applies to a broad range of outpatient professionals, including physicians, therapists, nurse practitioners, and diagnostic staff.
    5. Optional endorsements for telemedicine services, home visit programs, and multi-location practices.

  2. General Liability

    1. Coverage for third-party injuries, such as slip-and-fall accidents, waiting room injuries, or equipment-related incidents.
    2. Protection against property damage claims arising from facility operations or staff actions.
    3. Personal and advertising injury coverage for claims of defamation, invasion of privacy, or improper use of marketing content.
    4. Designed for freestanding clinics, urgent care facilities, rehab centers, and outpatient diagnostic services.
    5. Standard limits of $1M per occurrence / $3M aggregate, with higher limits available to meet state, landlord, or payer requirements.

Homewood Insurance Group work with  different insurance carriers to find you the most suitable coverage at the best price.

Get a quick quote now.

⬆ Back to contents

Cost of Coverage:

Professional Liability (PL / Malpractice) – Estimated Ranges

  • Small outpatient clinics or therapy offices: $3,000–$6,000 annually per provider.
  • Mid-sized outpatient centers or urgent care facilities: $7,500–$15,000 annually.
  • Large multi-site practices or high-risk specialties: $20,000+ annually.

Pricing factors include your services offered, claims history, provider credentials, and litigation environment in your state.

General Liability (GL) – Estimated Ranges:

  • Small single-office clinics: $800–$2,000 annually.
  • Mid-sized facilities with moderate patient traffic: $2,500–$5,000 annually.
  • Large or multi-site outpatient centers: $6,000–$12,000+ annually.

Premiums are influenced by patient volume, facility condition, incident history, and whether you offer additional services such as labs or transportation..

⬆ Back to contents

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

Insurance carriers carefully evaluate outpatient procedures when setting premiums. Coverage denials are rare but may occur if procedures are undisclosed, performed outside a provider’s credentials, or involve experimental treatments. More commonly, high-risk activities lead to premium increases of 20–50% or more.

Procedure Category Examples Risk Factors Potential Premium Impact
Aesthetic/
Cosmetic		 Botox, fillers, laser treatments, IV hydration Elective nature; complications like infections or allergic reactions 20–40% increase; may reclassify provider into higher-risk category
Invasive Diagnostic/
Surgical		 Endoscopies, biopsies, minor excisions, joint injections Risks of perforation, infection, or wrong-site errors Moderate to high increase; higher if anesthesia involved
Pain Management Epidural injections, opioid prescribing, nerve blocks Addiction, overdose, procedural complications; regulatory scrutiny Substantial increase; aligns with high-liability specialties
Reproductive/OB-GYN Related Abortions, IUD insertions, fertility treatments High-stakes procedures; complications often result in severe claims Very high increase; limited carrier appetite in some states
Bariatric/
Weight Loss		 Gastric sleeve adjustments, endoscopic weight-loss procedures High complication rates in outpatient setting High increase; may require reclassification as surgical risk

⬆ Back to contents

What other types of Insurance can Outpatient Care Providers use?

 
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 outpatient care providers 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 outpatient care providers 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

At Homewood Insurance, we help outpatient providers:

  • Disclose all procedures to avoid gaps in coverage or claim denials.
  • Strengthen their application with risk management practices that carriers reward with better rates.
  • Compare multiple insurers to find the most competitive premiums for both Professional Liability insurance and General Liability insurance.
  • Negotiate the right policy limits, tail coverage, prior acts coverage, and endorsements for your outpatient practice.

Call 947-274-3093 or
Fill Out the Form

Ralph Schiller

Ralph Schiller

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