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Insurance for Surgical Centers

insurance for surgical centers 

Surgical centers, also known as ambulatory surgical centers (ASCs), perform a wide range of outpatient procedures. These facilities handle everything from orthopedic surgeries to cosmetic procedures, and while they provide high-quality care, they also face unique risks that can lead to costly malpractice or liability claims.

Homewood Insurance helps surgical centers secure the right liability protection to safeguard their patients, staff, and reputation.

This page explains:

  • What Insurance Includes – a breakdown of Professional Liability and General Liability protections tailored to surgical centers.
  • Cost of Coverage – typical premium ranges and the key factors that influence pricing.
  • Higher-Risk Exposures – procedures that raise premiums or may not be covered under standard policies.
  • Why Work With Homewood – how we help surgical centers navigate underwriting and secure the best coverage.

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for surgical centers 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 Surgical Centers can include:

  • Bodily injury and property damage coverage.
  • Premises liability, including slips, trips, and falls.
  • Completed operations coverage for procedures performed.
  • Personal and advertising injury, including defamation (libel or slander).
  • Medical payments coverage.
  • Legal defense costs provided in addition to policy limits.
  • Abuse and molestation (SAM) coverage, usually with limited sublimits.

More Information

Insurance for Surgical Centers can include:

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

  1. Professional Liability (Malpractice Insurance)

    1. Covers surgical errors such as wrong-site operations, wrong procedures, or retained instruments.
    2. Protects against anesthesia-related complications, including allergic reactions or inadequate monitoring.
    3. Coverage for infections and postoperative complications that result from sterilization lapses or poor aftercare.
    4. Defense for claims tied to inadequate pre-op or post-op care, premature discharge, or medication errors.
    5. Applies to surgeons, anesthesiologists, nurse anesthetists, operating room nurses, and support staff.
    6. Includes liability for breach of patient confidentiality or failure to obtain proper informed consent.

  2. General Liability Insurance

    1. Premises Liability – If a patient, visitor, or vendor slips on a wet floor in your waiting room, trips on an uneven step, or is otherwise injured on your property, GL pays for medical bills and legal defense.
    2. Property Damage to Others – If a piece of your equipment damages a leased building space, or a contractor alleges your operations caused damage to their property, GL responds.
    3. Visitor and Vendor Accidents – Delivery drivers, sales reps, or patients’ family members injured on-site are covered.
    4. Personal and Advertising Injury – Protection against claims of libel, slander, or misrepresentation in your advertising.
    5. Products/Completed Operations – Covers liability once a procedure or service is complete (for example, an instrument tray left in a recovery area causes a patient injury after surgery).
    6. Abuse and Molestation (SAM) – Limited coverage may be available for claims involving inappropriate contact or misconduct, which is sometimes required for licensing.
    7. Medical Payments Coverage – Pays smaller medical expenses promptly, regardless of fault, to defuse disputes.

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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How much does insurance for Surgical Centers cost?

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 (Malpractice Insurance) – Estimated Ranges

  • Small surgical center with a limited set of procedures: $25,000 – $50,000 per year.
  • Mid-sized ambulatory surgical center handling a moderate volume of cases: $50,000 – $150,000 per year.
  • Large multi-specialty or high-volume surgical centers: $150,000+ per year, often into the hundreds of thousands.

Factors affecting cost include the complexity and mix of procedures performed, patient demographics (such as higher-risk populations with diabetes or obesity), claims history, compliance with state and federal regulations, and overall patient volume.

General Liability Insurance (GL) – Estimated Ranges:

  • Small outpatient facility: $5,000 – $10,000 per year.
  • Mid-sized surgical center: $10,000 – $25,000 per year.
  • Large or multi-location facilities: $25,000+ per year.

Factors include the size of the facility, number of patients seen, history of premises incidents, and whether additional coverage such as abuse/molestation or cyber liability is included.

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High-Risk Procedures for Surgical Centers and their Impact on your Premiums

While coverage is widely available, certain surgical procedures are considered higher risk and can lead to significant premium increases or outright refusal if they fall outside outpatient scope.

Procedure Category Examples Why It’s Higher Risk Insurance Impact
Orthopedic Surgeries Total knee replacements, shoulder arthroscopy High complication rates including infections, blood clots, and nerve damage Premiums 40–60% higher; refusal possible if majority of caseload
Spine and Hernia Repairs Lumbar spine surgery, inguinal hernia repair Risk of vascular injury, inadequate monitoring, or post-op pain complications 30–70% increase; higher if patients have comorbidities
Advanced Laparoscopic Procedures Gallbladder removal, advanced abdominal surgeries Bleeding, pneumonia, wound disruptions, especially in higher-risk patients 25–50% premium increase; carriers scrutinize case volumes
Plastic and Cosmetic Surgeries Liposuction, breast augmentation Frequent claims due to dissatisfaction with aesthetic outcomes and anesthesia risks 50–100% premium increase; exclusions or sublimits common
Anesthesia-Intensive Procedures Cataracts with sedation, endoscopy, laryngoscopy Airway issues, dosing errors, failure to monitor vital signs 20–40% premium increase; refusal if no dedicated anesthesiologist
Other Complex Cases Mastectomy, invasive pain management injections Bleeding, transfusion needs, cardiopulmonary complications 30–60% premium increase; oncology-related cases heavily scrutinized

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Other types of Insurance Surgical 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 surgical 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 surgical 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

  • Deep expertise in surgical center insurance and outpatient healthcare risks.
  • Access to nearly 100 carriers, including those specializing in ambulatory surgical centers.
  • Guidance on tailoring malpractice and general liability policies to match your procedures and patient mix.
  • Advocacy during claims involving surgical errors, anesthesia events, or infection control.
  • Support with regulatory compliance and documentation that carriers require.

Call 947-274-3093 or
Fill Out the Form

Ralph Schiller

Ralph Schiller

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