Ambulatory Surgery Center Insurance · Texas
Coverage as Rigorous as the Surgery Center It Protects
A surgery center is judged by its rigor — and that standard belongs on its coverage as much as in its OR. A physician’s malpractice policy was never built to hold what a facility carries: its own professional liability, surgical and anesthesia exposure, multi-million-dollar equipment, the revenue lost when an OR goes dark, and the governance that comes with owners, partners, and investors. We structure one coordinated program around all of it, placed with the specialty markets that actually write surgical risk — so the facility runs with the steadiness your surgeons and patients count on.
A specialist review, matched to the standard your facility operates to · no obligation
Why an ASC is different
A surgery center is a facility in its own right — and its coverage has to stand on its own, too.
The exposures that define a surgery center are exactly the ones a standard medical-office policy leaves open. A thorough program accounts for each — so the facility is covered to the standard it’s held to.
The facility stands on its own
Your physicians’ malpractice won’t respond for the center. An ASC needs its own facility professional liability, with separate limits written in the center’s name.
Surgical & anesthesia exposure
Wrong-site surgery, retained instruments, post-op infection, and sedation or anesthesia events — high-severity claims that tend to name everyone in the room.
Equipment & lost revenue
Multi-million-dollar surgical and imaging equipment — plus the income an OR loses every day it can’t operate after a covered loss.
Owners, partners & investors
Physician-ownership, hospital joint ventures, and investor or MSO structures bring governance, D&O, and employment exposures a clinical policy ignores.
One coordinated program
Everything your surgery center program can pull together.
Not a stack of disconnected policies — the layers a surgical facility actually needs, placed with carriers that understand ASCs.
- Facility professional liability — separate limits, in the center’s name
- Medical malpractice — surgeons, anesthesia & CRNAs
- General liability & products / completed operations
- Property, equipment & business personal property
- Equipment breakdown — sterilizers, HVAC & imaging
- Business income / business interruption
- Cyber liability & HIPAA breach response
- Workers’ comp / Texas non-subscriber guidance
- Directors & officers (D&O) and EPLI
- Umbrella / excess & billing-audit defense
Start here
Request your surgery center insurance review.
Tell us about your center — specialties, case volume, ownership, and where you are in your timeline. We’ll map your exposures, approach the specialty markets that write surgical risk, and bring you a program that fits. No obligation.
- 1Tell us about your centerSpecialties, ORs, case mix, and ownership structure.
- 2We map the real exposuresFacility, surgical, governance, and continuity — layer by layer.
- 3You get options, explainedPlaced with markets that understand how an ASC operates.
Prefer to talk it through? Call (972) 696-9995 and tell us about your center, specialties, and timeline.
The standard behind the coverage
Coverage that reflects how you operate.
A serious facility shows in the details — including the ones patients never see. Working with a specialist means your submission is built by people who understand facility liability, accreditation, and the markets that write surgical risk — and that rigor becomes part of how your center carries itself.
- Direct access to the specialty and E&S markets that genuinely write ASCs — so your program is built on expertise, not guesswork.
- Facility-vs-physician limits, accreditation, and joint-venture and lease requirements are handled correctly from the start — so your program holds up when it’s tested.
- Founded in 2023 inside Frisco Station with capability across Texas — we grow with your center, so your protection keeps pace with your reputation.
Surgery center insurance questions
The questions surgery centers ask us most.
How much does ambulatory surgery center insurance cost?
It scales with your case volume, your specialties, your physician count, and the limits you carry — so any flat figure online is a guess. As rough context, facility professional liability often starts in the low five figures and climbs with volume; a small, limited-procedure center’s full program commonly lands in the tens of thousands a year, while a busy multi-specialty ASC can run into six figures. Limits frequently start at $1M per claim / $3M aggregate and go higher where a lease, lender, or joint venture requires it. Only a look at your actual case mix gives a real number — which is exactly what your quote does.
Isn’t our surgeons’ malpractice enough — do we really need separate facility coverage?
No, and it’s the most important thing to get right. Your physicians’ individual malpractice protects them, not the center. An ASC needs its own facility professional liability, written in the center’s name with its own limits — especially once outside physicians use your ORs, because a claim can name the facility too and quickly drain limits that were never meant to cover it.
Are our anesthesiologists, CRNAs, and contracted physicians covered?
It depends on how they’re engaged. Employed clinical staff are usually covered under the facility program; contracted anesthesia and physicians are often added as additional insureds, or required to carry their own coverage with the center named. We map every provider relationship up front, so there’s no gap when a claim names everyone involved in a case.
Do we need D&O and EPLI if we’re physician-owned or in a hospital joint venture?
Often, yes. The moment a center has partners, investors, an MSO, or a hospital joint venture, the risk shifts from purely clinical to governance and employment — disputes among owners, a physician who feels locked out, buy-in and buy-out claims, wrongful termination, and wage-and-hour. Directors & officers and employment practices coverage defend the ownership group where a malpractice policy simply won’t respond.
Is business interruption really worth it for an ASC?
For a surgery center, it’s one of the most valuable layers. Your fixed costs — equipment financing, payroll, lease, debt service — don’t pause when an OR goes dark after a covered loss. Business income coverage replaces the revenue you can’t earn while you recover, and for a high-throughput center that figure adds up fast.
What about billing audits and HIPAA — are those covered?
They can be, and they’re easy to overlook. Regulatory and billing-audit (RAC / Medicare) defense helps cover the cost of responding to a billing investigation, while cyber and HIPAA coverage handles breach response, patient notification, and the income lost when systems are down. Both sit outside a standard malpractice policy, so we make sure they’re accounted for rather than assumed.
Protect the surgery center you’ve built.
The same rigor you hold in the OR — applied to everything that keeps the facility running.
Continue your planning