Business Insurance for Ambulatory Surgery Centers

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Ambulatory Surgery Center
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Ambulatory surgery centers (ASCs) involve many of the same risks as surgery in a hospital. Surgery center insurance protects your facility against the high costs of patient lawsuits, cyberattacks, and more.

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One application, multiple quotes

Insureon helps ambulatory surgery centers identify insurance requirements and compare quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do ambulatory surgery centers need?

These policies provide coverage for the most common risks faced by ASCs.

General liability insurance icon

General liability insurance

General liability insurance covers common third-party risks, such as a patient who files a lawsuit after slipping on a wet floor at your surgery center and breaking an arm.

  • Slip-and-fall injuries
  • Patient property damage
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for surgical centers to buy general liability insurance and commercial property insurance together.

  • Slip-and-fall accidents
  • Damaged patient property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for ambulatory surgery centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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Professional liability insurance

This policy, also known as malpractice insurance for surgeons, covers legal expenses if a patient files a lawsuit against an ASC for a surgical error or poor advice.

  • Failure to deliver promised services
  • Malpractice lawsuits
  • Procedural mistakes or oversights
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Commercial auto insurance

Commercial auto insurance is typically required for business-owned vehicles. It helps cover the costs of accidents involving a surgery center's vehicle.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
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Cyber liability insurance

Also called data breach insurance, this policy helps surgery centers survive cyberattacks and data breaches by paying for recovery expenses and other associated costs.

  • Data breach notification expenses
  • Fraud monitoring costs
  • Public relations
Looking for different coverage? See more policies.

Why do ambulatory surgery centers need business insurance?

From ophthalmology to urology procedures, the community relies on your center to provide same-day surgical care. With outpatient surgery comes high liability. ASC business insurance can help mitigate the cost of malpractice lawsuits, damage to surgical equipment, cyberattacks, and other unexpected incidents.

How much does business insurance cost for healthcare facilities?

Healthcare professional below a thought bubble with a dollar sign.

Several factors will have an impact on insurance costs, including:

  • ASC services offered, such as cataract surgery or endoscopy
  • Surgical equipment and property
  • Revenue
  • Location
  • Number of employees
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