Special Industry

Surgery Center Insurance

All things healthcare and medical — specialized coverage for ambulatory surgical centers and medical facilities.

Specialized Healthcare Coverage

Our core principles and strong mission shape our efforts. AIP has deep expertise in the healthcare and medical industry, providing tailored insurance solutions for surgery centers, hospitals, MRI facilities, and other medical accounts.

We understand the unique risks facing ambulatory surgical centers and work with specialized underwriters to craft programs that protect your facility, staff, and patients.

Medical Malpractice

Professional liability coverage for surgical procedures and medical staff.

General Liability

Broad coverage protecting your facility from third-party claims.

Property Insurance

Coverage for your facility, equipment, and medical devices.

Workers Compensation

Protection for your medical staff and support personnel.

Directors & Officers

Protects board members, managing members, and administrators from personal liability arising from governance and management decisions.

Cyber, Data Breach & Ransomware

Covers data breaches, ransomware attacks, and cyber incidents targeting patient records and healthcare systems — critical protection for HIPAA-regulated facilities.

Who We Serve

Healthcare Facilities We Insure

AIP works with a wide range of medical and healthcare organizations — from single-specialty surgery centers to large hospital systems. If your business involves patient care, we have the expertise and carrier relationships to protect it.

Ambulatory Surgical Centers

Single and multi-specialty ASCs performing outpatient procedures.

MRI & Imaging Facilities

Standalone imaging centers and hospital-based radiology departments.

Hospitals & Health Systems

Community hospitals, specialty hospitals, and integrated health networks.

Physician Groups

Multi-physician practices and specialty medical groups.

Outpatient Clinics

Urgent care, rehabilitation, and specialty outpatient facilities.

Other Medical Accounts

Labs, dialysis centers, home health agencies, and more.

Coverage Details

What's Covered

Medical Malpractice / Professional Liability

Medical malpractice is the most critical coverage for any surgical facility. AIP works with specialty healthcare underwriters to secure occurrence-based or claims-made policies that protect your physicians, nurses, and facility against allegations of negligence or error.

Occurrence and claims-made policy options
Coverage for physicians, surgeons, and nursing staff
Facility-level professional liability
Tail coverage / extended reporting period options
Defense cost coverage included, even for groundless claims

General & Premises Liability

Patients, vendors, and visitors enter your facility every day. General liability coverage protects your surgery center from third-party bodily injury and property damage claims arising from your premises and operations.

Premises liability for patient and visitor injuries
Products and completed operations coverage
Personal and advertising injury
Medical payments to others
Contractual liability coverage

Property & Equipment Coverage

Surgical equipment, imaging systems, and medical devices represent a significant capital investment. AIP secures property coverage that accounts for the specialized nature and high replacement cost of medical equipment.

Building and leasehold improvements at replacement cost
Medical equipment, surgical instruments, and imaging systems
Business income / loss of revenue during restoration
Equipment breakdown — mechanical and electrical failure
Valuable papers, electronic data, and patient records

Workers Compensation

Healthcare workers face unique on-the-job risks — needlestick injuries, patient handling, and exposure to infectious disease. Workers compensation coverage ensures your staff is protected and your facility meets Illinois state requirements.

Medical expense coverage for work-related injuries and illness
Lost wage replacement for temporary and permanent disability
Employer's liability (Part B) protection
Compliance with Illinois state requirements
Return-to-work and vocational rehabilitation support

Cyber Liability & HIPAA Data Breach

Healthcare organizations are the number one target for ransomware and data breaches. A single HIPAA breach can trigger federal notification requirements, OCR investigations, and significant fines. AIP places cyber coverage with carriers that specialize in healthcare incident response.

HIPAA breach notification costs and patient credit monitoring
Ransomware extortion payments and IT recovery
OCR regulatory defense and HIPAA penalty coverage
Business interruption from a cyber event
Third-party liability for compromised patient data

Crime & Employee Dishonesty

Healthcare facilities handle significant cash, pharmaceuticals, and controlled substances — making them a target for internal theft and fraud. A commercial crime policy covers losses that standard property policies exclude.

Employee theft of money, drugs, and medical supplies
Forgery and check alteration by employees or vendors
Robbery and burglary of controlled substances
Computer fraud and fraudulent wire transfers
Social engineering and impersonation fraud

Directors & Officers / Management Liability

Surgery center boards, managing members, and administrators can face personal liability for governance decisions — from employment disputes to regulatory compliance failures. D&O and management liability coverage protects the people who run your facility.

Personal liability of directors, officers, and administrators
Employment practices liability (wrongful termination, harassment)
Regulatory and government investigation defense
Fiduciary liability for benefit plan decisions
Entity coverage for the facility itself

Umbrella / Excess Liability

A single catastrophic malpractice verdict or multi-party liability claim can exhaust your primary policy limits. An umbrella policy provides a critical additional layer of protection above your general liability, professional liability, and employers liability policies.

Sits above GL, professional liability, and employers liability
Limits available from $1M to $25M+
Drops down to cover gaps in underlying policies
Protects facility assets from catastrophic judgments
Often required by hospital contracts and joint venture agreements

Our Approach

Risk Management — How It Works for You

Insurance is the final step, not the first. AIP guides you through a disciplined risk management process that protects your assets, controls costs, and ultimately increases your profitability.

Step 1

Identification of Loss

We start by identifying every exposure your business faces — property, liability, personnel, and operational risks. You can't manage what you haven't found.

Step 2

Analysis & Likelihood of Occurrence

Each identified risk is analyzed for frequency and severity — how often could it happen, and how bad could it be? This shapes the priority and strategy for each exposure.

Step 3

Treatment — Apply the Right Strategy

For each risk we apply the best strategy: eliminate it entirely, reduce its likelihood, share it contractually, transfer it to an insurer, or accept it when the cost to insure exceeds the exposure.

Step 4

Higher Deductibles & Self-Insurance

Where appropriate, we structure programs with higher deductibles or self-insured retentions — keeping more premium dollars in your pocket while maintaining catastrophic protection above the retention.

Step 5

AIP Seeks Proposals & Places Insurance

As your independent advocate, AIP goes to market — soliciting competitive proposals from multiple carriers and placing the program that delivers the best combination of coverage, price, and carrier strength.

The Result: Increased Profitability

Every dollar saved on unnecessary premium, every avoided loss, and every efficiently handled claim goes directly to your bottom line. Risk management isn't a cost — it's a profit strategy.

Lower total cost of risk
Fewer operational disruptions
Stronger balance sheet
Better carrier terms at renewal

Ready to put a real risk management plan in place?

AIP will walk you through every step — at no cost for the initial consultation.

Start the Conversation

Why AIP

Healthcare Insurance Is All We Do — And We Do It Well

General insurance agents often lack the specialized knowledge to properly insure a surgical center. AIP brings decades of healthcare industry experience and direct relationships with specialty medical underwriters.

Deep Industry Expertise

We understand the regulatory environment, accreditation requirements, and unique liability exposures of ambulatory surgical centers.

Specialty Carrier Access

We work with underwriters who specialize in healthcare — not general commercial carriers trying to fit your facility into a standard policy.

Tailored Programs

Every surgery center is different. We build a coverage program around your specific procedures, staffing, and risk profile.

Claims Advocacy

When a claim arises, we're in your corner — helping you navigate the process and working toward the best possible outcome.

Protect Your Facility Today

Don't leave your surgery center exposed. Contact AIP for a comprehensive review of your current coverage and a competitive quote from specialty healthcare carriers.

Request a Healthcare Insurance Review

Or call us at (630) 462-7008