Looking for Urgent Care / Emergency Care Center Insurance?
Protect your urgent care facility from malpractice claims, patient injuries, data breaches, and professional liability. Get coverage for urgent care centers, walk-in clinics, and emergency medical facilities.
What is Urgent Care / Emergency Care Center Insurance?
Urgent care insurance protects medical facilities from malpractice claims, patient injuries, data breaches, and regulatory issues. Coverage includes medical malpractice, general liability, and cyber liability. State licensing, insurance panels, and lenders require proof of insurance before operations or credentialing.
Medical Malpractice
Coverage for treatment errors, misdiagnosis, or negligent patient care.
Facility Liability
Protects against patient injuries and property damage at urgent care locations.
HIPAA and Cyber
Covers data breaches and patient information exposure.
Certificates
Fast proof for licensing boards, insurance panels, and lenders.
Who Needs Urgent Care / Emergency Care Center Insurance?
- Urgent Care Centers : Businesses requiring specialized insurance coverage
- Walk-In Medical Clinics : Businesses requiring specialized insurance coverage
- Emergency Care Facilities : Businesses requiring specialized insurance coverage
- After-Hours Care Centers : Businesses requiring specialized insurance coverage
Why Harper?
Urgent Care Expertise
We understand urgent care risks—malpractice claims, patient safety, HIPAA compliance, and regulatory issues. Get coverage for walk-in clinics, urgent care facilities, or emergency centers.
Fast Proof for Credentialing
Insurance panels require malpractice coverage before provider credentialing. We deliver certificates quickly for panel participation.
Clear Simple Guidance
We explain malpractice coverage, occurrence versus claims-made, and urgent care requirements clearly.
Tailored to Your Facility
Match coverage to your services—basic urgent care, extended hours, emergency services, or specialty urgent care.
Frequently Asked Questions
What insurance do urgent care centers need?
Urgent care facilities need medical malpractice coverage for all treating providers (physicians, nurse practitioners, physician assistants), general liability for patient injuries at facilities, cyber liability for HIPAA compliance and electronic health records protection, and workers compensation for clinical and administrative staff. Property insurance covers medical equipment, facilities, and leasehold improvements, while business interruption protects revenue during facility closures. Employment practices liability (EPLI) covers staff-related claims.
Is urgent care insurance required?
State medical boards require physicians and advanced practice providers to carry malpractice insurance for licensing in most states. Insurance panels and managed care contracts require proof of malpractice coverage before credentialing. HIPAA regulations effectively require cyber liability coverage for breach notification and regulatory compliance. Facility landlords require general liability coverage. Lenders require property and liability coverage for financed facilities.
How much does urgent care insurance cost?
Single-provider urgent care clinics pay $15,000–$40,000 annually for malpractice and facility coverage depending on location and services. Multi-provider urgent care centers pay $50,000 to $200,000+ annually. Large urgent care networks with multiple locations pay $250,000 to $1,000,000+ annually. Costs depend on provider specialties, number of providers, patient volume, procedures performed, location (some states cost significantly more), claims history, and coverage limits.
Does insurance cover misdiagnosis claims?
Medical malpractice coverage protects urgent care providers and facilities from misdiagnosis claims when patients experience harm from incorrect diagnosis or failure to diagnose conditions. Common urgent care misdiagnosis claims involve missed fractures, delayed appendicitis diagnosis, or cardiac event misdiagnosis. Coverage applies when providers followed appropriate standards of care for urgent care settings. However, attempting to treat conditions beyond urgent care scope could complicate coverage.
Does insurance cover HIPAA violations?
Cyber liability coverage includes HIPAA breach response costs, notification expenses, credit monitoring for affected patients, regulatory fines from OCR (Office for Civil Rights), and legal defense for violation claims. Given increasing HIPAA enforcement and significant penalties ($100-$50,000 per violation), cyber liability is essential for urgent care facilities handling protected health information. Coverage requires reasonable security measures and compliance efforts.
Can insurance panels require specific coverage?
Yes, health insurance panels and managed care organizations require urgent care facilities and providers to maintain minimum malpractice coverage (typically $1 million per occurrence, $3 million aggregate) before credentialing or network participation. Panels verify coverage during initial credentialing and require annual proof of renewal. Some panels require tail coverage upon departure or occurrence-based policies. Lapsed coverage results in immediate network termination.