Admiral provides Medical Professional Liability insurance for a ride range of medical professionals and facilities.
Ambulatory Surgery Centers
Admiral Insurance is proud to offer our comprehensive Medical coverage to Ambulatory Surgery Centers, regardless of their specialty. Our newly enhanced form provides over 30 distinct built-in enhancements, as well as optional endorsements to meet the coverage needs of each client.
Clinical Trials
Admiral covers Clinical Research Organizations in all phases and for all types of drugs and devices. We have enhanced our policy to include clinical investigators and offer first dollar of defense. We offer a modular policy, and specifically target clinical research, including those under contract with drug and device manufacturers.
Excess Liability
AdmiralPro Excess™ delivers flexible, follow-form Excess Liability solutions designed to sit above a broad range of underlying coverages. With the ability to support complex program structures, multiple underlying carriers, and complex risk profiles, Admiral provides the capacity and coverage needed to effectively manage large loss exposures.
Loss Control and Risk Management Services
Provided by OmniSure Consulting Group
- Professional guidance through confidential helpline support and telephonic consultation
- Complimentary access to ProPLUS level membership to OmniSure’s RiskFit® program
- Quick tip videos, toolkits, and eRisk alerts to keep you on top of emerging risks
Medical Spas
Admiral Insurance is proud to offer our AdmiralPro™ Med coverage to medical spas. Admiral has 30 years of experience providing policies used by medical spas that specialize in anti-aging, health, wellness and aesthetic procedures and we’ve seen how the industry only continues to grow. Our AdmiralPro™ Med policy meets all the coverage requirements for medical spas.
Physicians
Admiral’s extensive and unique coverage is tailored specifically for Physicians whether their practice is standard or a more complicated situation.
Home Health Care
Admiral Insurance offers insurance coverage for home health care professionals. We offer a modular policy so that you can give your home health care clients the flexibility they need to protect themselves from the specific risks and exposures of their industry.
Miscellaneous Medical
Admiral’s comprehensive coverage was developed exclusively for the unique needs of healthcare facilities and medical organizations. Our modular policy form for Miscellaneous Medical allows us to tailor coverage to your client’s needs. For over 30 years our underwriting and claims experience has responded and adapted to the unique and changing needs of healthcare facilities and medical organizations.
Virtual Care
Admiral’s Professional Liability department is continuing to deliver unique solutions to the insurance marketplace by adding a new Virtual Care insurance policy to its lineup of specialty professional and excess liability products. This coverage is made available exclusively by our national network of wholesale brokers.
Related Blog
Medical device product liability risk is evolving as AI, software‑driven devices, cybersecurity exposure, and heightened regulatory scrutiny reshape the landscape. Explore how these changes are influencing coverage considerations for today’s MedTech businesses.
Read More Product Liability Insurance for Medical Device Manufacturers: What Brokers Need to Know
Frequently Asked Questions
Does Admiral offer medical E&S coverage nationally?
Yes, as an E&S carrier, Admiral provides medical professional liability coverage in most states, though availability varies by state.
What differentiates E&S medical coverage from standard malpractice policies?
E&S medical coverage differs from standard malpractice policies by offering flexible, customized solutions tailored for unique or complex risks. It is designed to address emerging healthcare services such as telemedicine, integrated wellness program, specialty providers, and innovative care models. These solutions adapt to evolving industry needs while continuing to support established medical practices.
What type of medical risks typically require placement in the E&S market?
Due to its flexibility and adaptability, the E&S market not only addresses complex or emerging medical risks, but also routinely covers medical risks traditionally considered “standard.” These commonly consist of clinics, ambulatory surgery centers, medi spas, virtual care and e‑health platforms, home healthcare providers, pharmacies, laboratories, clinical trial management organizations, and imaging centers.
As the healthcare industry continues to evolve, what is considered a standard risk today may change tomorrow. The E&S market is uniquely positioned to evolve alongside these accounts and provide stability and tailored coverage as operations grow and become more complex.
Why would an account be placed with a non-admitted/E&S carrier instead of an admitted one?
An account would be placed with an E&S carrier rather than an admitted one because E&S can:
- move faster,
- offer broader form flexibility,
- and craft solutions for risks the admitted market can’t accommodate.
What information is important for a strong medical E&S submission?
A strong medical E&S submission should always be clear and concise. When submissions are thorough it allows faster and more informed underwriting decisions.
Key components to include in a submission are:
- Loss runs with detailed claim narratives, including any corrective actions or risk management measures implemented to mitigate future claims.
- A completed application that clearly outlines exposures, operations, and scope of services.
- For unique or complex accounts, a concise narrative that tells the story of the risk—highlighting emerging exposures, non‑traditional services, and what differentiates the account.
Are Admiral’s medical liability forms manuscripted?
Yes, Admiral’s comprehensive medical E&S policy forms are developed in-house, allowing for greater flexibility and control. This allows us to tailor coverage solutions to meet the specific needs and exposures of each business.
What additional coverage or enhancements are commonly offered by Admiral?
Admiral’s additional enhancements to medical coverages may include:
- General Liability,
- Hired and Non‑Owned Auto,
- Employee Benefits Liability,
- Sexual Abuse and Molestation,
- Cyber Liability,
- Media Liability,
- License Defense,
- Peer Review HIPAA coverage,
- and Reputational Harm.
In addition, our form offers flexible enhancements such as defense outside the limits (subject to an aggregate cap), as well as a range of deductible and self‑insured retention (SIR) options.