Healthcare Facilities

Healthcare businesses require tailored insurance solutions due to the unique risks they face within the industry. These risks can include medical malpractice claims, regulatory compliance issues, data breaches, and property damage. Tailored insurance solutions provide coverage specifically designed to address these risks, offering protection for patients, employees, assets, and the reputation of the healthcare organization. With the complexity of healthcare regulations and the potential for significant financial losses in the event of a lawsuit or incident, customized insurance policies help healthcare businesses navigate challenges, mitigate liabilities, and safeguard their operations, ensuring continuity of care and business continuity.


Why Choose The Millward Agency?

Choosing The Millward Agency means opting for unwavering confidence in your insurance provider. Our accolades and recognitions speak volumes about our commitment to excellence. Our bespoke insurance solutions for the automotive industry are designed to underwrite your success, with a proven track record of serving businesses like yours with integrity, innovation, and a keen understanding of industry-specific risks.

Nationwide Presence

We are proud to offer nationwide coverage while retaining a personal touch that resonates with local communities. Our understanding of diverse regional needs ensures that our clients receive service that feels both global and neighborly.

75+ Years of Expertise

We carry a legacy of over seven decades in the insurance industry. Our enduring commitment to excellence is rooted in a deep understanding of insurance’s evolving landscape, shaped by years of experience and client-focused service.

Integrity in Every Policy

Our philosophy is simple: if we wouldn’t buy it ourselves, we won’t sell it. This ethos ensures every policy we offer is built on a foundation of trust and reliability, reflecting our commitment to honest and transparent insurance solutions.

Target Classes

Healthcare facilities encompass a wide range of establishments that provide medical services and care to patients.
Here’s a list of various types of healthcare facilities, but not limited to:


Large medical facilities that provide a wide range of diagnostic, therapeutic, and surgical services, including emergency care, inpatient and outpatient services, and specialty care.


Outpatient healthcare facilities that offer medical services, such as primary care, specialty care, preventive care, and minor procedures, typically on an appointment basis.

Ambulatory Surgery Centers (ASCs)

Facilities where surgical procedures are performed on an outpatient basis, providing a cost-effective alternative to hospital-based surgery for certain procedures.

Urgent Care Centers

Walk-in medical facilities that offer immediate care for non-life-threatening injuries and illnesses, providing a convenient alternative to emergency room visits.

Diagnostic Imaging Centers

Facilities equipped with advanced imaging technologies, such as X-rays, CT scans, MRI scans, and ultrasound, for diagnosing medical conditions and monitoring treatment progress.

Rehabilitation Centers

Facilities that provide rehabilitative services, such as physical therapy, occupational therapy, speech therapy, and specialized rehabilitation programs for patients recovering from injury, surgery, or illness.

Long-Term Care Facilities

Residential facilities that provide care for individuals who require assistance with activities of daily living, such as skilled nursing homes, assisted living, independent living, continuing care retirement, and independent facilities.

Hospice Care Facilities

Facilities that provide compassionate end-of-life care and support services for terminally ill patients and their families, focusing on comfort, dignity, and quality of life.

Mental Health Facilities

Facilities that offer psychiatric and behavioral health services, including inpatient psychiatric hospitals, outpatient mental health clinics, and residential treatment centers.

Medical Facilities

Healthcare rehabilitation providers, Clinics: community, family planning, rural & more, Allied health schools, College and university health centers, Community health centers, Dialysis centers, Emergicenters/urgicenters, Health departments, Imaging, x-rays, CT scans, MRIs, and ultrasounds, Mobile healthcare operations, Medical laboratories, drug testing, paternity, pathology & more, Lipodissolve and other procedures, Sleep centers, Surgery centers

Home Healthcare Agencies

Organizations that provide healthcare services, such as nursing care, therapy, and medical assistance, in the patient’s home, allowing individuals to receive care in a familiar and comfortable environment.

Dialysis Centers

Facilities that provide hemodialysis or peritoneal dialysis services for patients with kidney failure, offering life-sustaining treatment to remove waste products and excess fluids from the blood.

Blood Banks and Donation Centers

Facilities that collect, process, and store blood and blood products for transfusion, as well as facilitate blood donations from voluntary donors.

Community Health Centers

Non-profit healthcare facilities that serve underserved populations and provide primary care, preventive services, dental care, mental health services, and other essential healthcare services to the community.

Occupational Health Clinics

Clinics that provide medical services, screenings, and health assessments for employees in the workplace, focusing on occupational health and safety.

These healthcare facilities play vital roles in delivering comprehensive and accessible healthcare services to individuals and communities, addressing a wide range of medical needs and conditions.

Specialized Protection

  • General and/or Professional Liability written on claims-made or occurrence basis 
  • Primary professional liability written on a claims-made or occurrence basis 
  • Primary general liability written on a claims-made or occurrence basis (
  • Additional insuring agreements include:
    –  Evacuation expense reimbursement
    –  Public relations reimbursement
    –  Resident property coverage
    –  Employee benefits liability coverage
  • Coverage for punitive damages where allowable by law
  • Coverage for physical and sexual abuse
  • Standard form is defense outside the limit, can be moved inside for a premium credit
  • Per Location Aggregate included
  • Hired & Non-Owned Auto available
  • All carriers are “A” rated

Standard Liability limits:



General Aggregate


Aggregate Products/Operations


Personal Injury / Advertising Injury




Damage To Premises Rented To You


Umbrella/Excess Liability

$1,000,000 – $25,000,000

Policies Offered

Here’s a list of insurance policies commonly needed by healthcare facilities, but not limited to:

Medical Professional Liability Insurance (Medical Malpractice Insurance)

Protects healthcare providers, including physicians, surgeons, nurses, and other medical professionals, against claims of negligence, errors, or omissions in patient care.

General Liability Insurance

Covers claims of bodily injury, property damage, or personal injury arising from accidents or incidents that occur on the premises of the healthcare facility.

Property Insurance

Protects against damage or loss to the physical assets of the healthcare facility, including buildings, equipment, furniture, and supplies, due to fire, theft, vandalism, or natural disasters.

Business Interruption Insurance

Provides coverage for lost income and extra expenses incurred when a healthcare facility is forced to suspend operations or relocate temporarily due to a covered peril, such as a fire or natural disaster.

Cyber Liability Insurance

Covers healthcare facilities against data breaches, cyberattacks, and other cyber incidents that compromise patients’ protected health information (PHI) and electronic medical records (EMRs), as well as regulatory fines and penalties under laws such as HIPAA.

Directors and Officers (D&O) Liability Insurance

Protects the directors, officers, and board members of healthcare facilities against claims alleging wrongful acts, mismanagement, or breaches of fiduciary duty, including lawsuits from shareholders, patients, or regulatory agencies.


Employment Practices Liability Insurance (EPLI)

Covers healthcare facilities against claims of discrimination, harassment, wrongful termination, and other employment-related issues brought by employees or former employees.

Workers' Compensation Insurance

Provides coverage for medical expenses, lost wages, and disability benefits for employees who are injured or become ill while performing their job duties at the healthcare facility.

Regulatory and Billing Errors & Omissions Insurance

Covers healthcare facilities against claims arising from billing errors, regulatory violations, and compliance failures related to Medicare, Medicaid, and other government healthcare programs.

Commercial Auto Insurance

Covers vehicles owned or used by the healthcare facility for business purposes, such as transporting patients, medical supplies, or staff.

Medical Devices and Products Liability Insurance

Covers manufacturers, distributors, and suppliers of medical devices, equipment, and pharmaceuticals against claims of defects, product recalls, and injuries resulting from the use of their products.

Clinical Trials Liability Insurance

Provides coverage for healthcare facilities conducting clinical trials for investigational drugs, treatments, or medical devices, protecting against claims of negligence, adverse events, and injuries to participants.

Tenant Liability Insurance

Covers liability risks for healthcare facilities that lease or rent their premises, protecting against claims of property damage or bodily injury caused by tenants or their activities.

Environmental Liability Insurance

Protects healthcare facilities against claims of pollution, contamination, or environmental damage arising from hazardous materials, waste disposal practices, or indoor air quality issues.

Crime Insurance

Covers losses resulting from theft, burglary, employee dishonesty, or other criminal acts committed against the healthcare facility.

Fiduciary Insurance

Fiduciary insurance safeguards individuals or entities against claims of mismanagement or negligence in administering employee benefit plans, including 401(k) retirement plans and pensions, covering legal costs and financial liabilities arising from breaches of fiduciary duty.


Fidelity Bond Insurance

Protects against financial losses caused by fraudulent or dishonest acts committed by employees or third parties.

The Millward Agency, Inc. Testimonials

Hear from our clients who have achieved stability and growth with The Millward Agency’s insurance solutions. Our case studies demonstrate our commitment to providing unparalleled support and protection, proving that no challenge is too big when you have the right insurance partner.

Kurtis ThorntonKurtis Thornton
18:38 16 Jan 22
Very helpful and nice people, a great place to get your insurance needs taken care of.
Christopher LymanChristopher Lyman
14:48 26 Oct 19
Finally, I don't need to ever look for another insurance agent. The Millward Agency handles my personal and business insurance. Always helpful with my questions and quick to respond to my emergencies. The Millward Agency Rocks!
Markusz SudozMarkusz Sudoz
19:03 19 Jul 19
Every time I go to my broker, Ed Caceres @ the Millward Agency, he always finds me the best insurance rates on my real estate properties. Ed is great, always extremely responsive and understanding of the industry. In the past I would go do my own insurance shopping and spend hours on hours to get the best rate, now I do not even bother shopping around I just call Ed and he always has the best pricing. In the beginning I got a quote from Ed then shopped around, now I have learned to not even waste my time. Ed @ Millward Always saves me hundreds of dollars. 110% on customer service, 100% on pricing!!! A+++
Mobility SolutionsMobility Solutions
19:09 25 Jul 18
Everybody!!!!! is Great to work with when ever I need anything which is almost monthly.Linda
carlene klebecarlene klebe
20:01 22 Jun 18
My former insurance agent and friend recommended Ed Caceres of Millward Agency. Within hours of having given Ed a call, I had quotes and was decided to go with his carrier. He was professional and answered all my questions. I’m happy to have done business with Ed and Millward Agency.
John CourtneyJohn Courtney
16:20 11 Jun 18
Business or Personal this is who you want - Personal service from their Team is amazing, treat as though you are their only client.* Business - Review policy/coverage every year. Not limited to one or two insurance providers. Recommend changes, not necessarily to save money (although it is available) provide additional coverage. Three months later our additional coverage cost $150 on a $15000 claim. For years we were not covered! They are not limited to one or two insurance providers as our previous agent.* Personal - couple of claims were handled like we were their only client. They bundled coverage in such a way to save $2100 a year for a family of four and kids in college.***Will continue to recommend to business colleagues, friends and family***
Karen CarterKaren Carter
16:01 08 Jun 18
Our company has been working with Millward Agency for many years.They have been the best insurance company I have ever worked with.The staff is always very informative and very professional. Our insurance needs which include general, auto and worker's comp are very complex. Millward is able to handle and update all of our needs at any time of the year. I really like the fact they get back to you very quickly! They are very knowledgeable and caring we never think of going elsewhere. We will definitely be customers for years to come. Thank you Millward Agency!
Chad StottChad Stott
17:56 07 Jun 18
Wade and the Millward team have been consistently reliable, prompt, knowledgeable and a pleasure to work with. Wade and his crew have guided us through our ever growing needs and we attribute our success to the partnerships we have forged with organizations like The Millward Agency. We look forward to many more years working together.

Get a Quote

Ready to accelerate your business’s security and success? Contact Millward Agency today for a personalized insurance quote. Our team of experts is here to guide you through the process with ease and confidence, ensuring your business is covered, no matter what lies on the road ahead.