Overview of the Program from Demetriou Group
This Managing General Agency program is positioned to place a broad range of medical office and outpatient clinic risks. Demetriou Group works with multiple carrier partners (varies by account) to provide a package approach that combines general liability, professional (medical) liability, excess limits and property capacity appropriate for medical practices, diagnostic labs and other outpatient services.
Ideal Accounts and Appetite
The program targets small to mid-sized medical office operations and outpatient facilities. Typical classes that fit well include:
- AIDS testing services
- Alcohol and drug centers
- Audiologists
- Chiropractors
- Dental offices & labs
- Diagnostic imaging and X-ray labs (including MRI, lithotripsy)
- Home health agencies and mobile diagnostic centers
- Medical billing services and lab technicians
- Mental health clinics, counselors, psychologists, social workers, therapists
- Optometry offices, urgent care and standalone surgery centers
Accounts with routine outpatient diagnostic and treatment exposures, stable risk controls, and standard staffing levels are the primary focus. High-hazard inpatient facilities, large ambulatory surgery centers with complex procedures, or operations with documented regulatory actions may require special review or be outside appetite.
Coverage Highlights and Advantages
- Commercial General Liability: typically available at $1,000,000 per occurrence.
- Professional (Medical) Liability: capacity referenced at up to $3,000,000 aggregate through the program.
- Excess Liability: excess limits may be available up to $5,000,000 depending on carrier placement.
- Property: options to place up to $5,000,000 TIV (total insured value) when needed.
- Employee Benefits Liability: available as part of the package where required.
Because Demetriou Group works with multiple markets, you gain flexibility to tailor limits and coverages to the client’s exposure profile while keeping placement options centralized through one underwriting partner.
Underwriting Notes and Minimum Premiums
Underwriting considers specialty, claims history, patient volume, procedures performed, and facility controls (infection control, credentialing, security). Minimum premium and specific terms vary by carrier and state—consult the program for quoting guidance. Be prepared to submit a detailed application, loss runs, and facility information for faster evaluation.
Territories and Availability
This program is available through Demetriou Group in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Availability and admitted vs. non-admitted options vary by state and carrier; confirm placement options at submission.
Why Work with Demetriou Group on Medical Offices Insurance
As a managing general agency focused on specialty commercial lines, Demetriou Group provides underwriter access across multiple carriers, experienced medical-lines underwriting, and the flexibility to structure combined GL/PL/property packages. That makes it efficient for agents to present a single submission and pursue tailored solutions for a variety of outpatient and clinic risks.
Example Scenarios
• You have a two-provider outpatient physical therapy clinic seeking combined general and professional liability with modest property limits — this program can provide package options with tailored limits.
• You represent a diagnostic imaging center (MRI/X-ray) that needs professional liability, facility liability and excess capacity — the program’s carrier panel can be used to assemble the appropriate layered limits.
For quoting, submit the client’s completed application, recent loss runs, facility details and any provider credentialing documentation. Carriers and minimum premiums vary; contact Demetriou Group for current appetite and submission guidance.