Small medical clinics wholesale insurance · Edge · Hedge E&S
Hedge / Appetite / Small medical clinics
Edge, case by case / Professional

Small medical clinics.

Primary care, family medicine, internal medicine. Surgical referred separately.

NAICS   621111 · 621112
Also known as   medical practice, doctor office, urgent care, family medicine
Coverage

What we'd quote.

Standard limits on a clean small medical clinics submission. Excess towers structured on request.

Medical Malpractice $1M / $3M Medical Malpractice wholesale → General Liability $1M / $2M General Liability wholesale → Cyber & Tech E&O $2M / $2M Cyber & Tech E&O wholesale → EPL $1M EPL wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 Primary care, family medicine
02 Procedure-light practices
03 1-10 providers
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 01Specialty + procedures performed
  • 02Provider count (MD, NP, PA, RN)
  • 03Patient volume
  • 045-year claims history
State nuance

Where the answer changes by state.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Small medical clinics in California
CA · Edge, case by case
MICRA cap considerations.
Small medical clinics in New York
NY · Edge, case by case
Long statute of limitations.
Small medical clinics in Florida
FL · Edge, case by case
No MICRA cap.
Related

Adjacent classes.

Often relevant to a submission in this class.

Professional Accountants & CPAs Professional Allied health. PT, OT, chiropractic Professional Consultants & advisors Professional Cyber for any commercial
FAQ

Common questions.

Does Hedge write small medical clinics?

Case by case. Small medical clinics fits our broader appetite, but the specific file needs the extra detail in the Submission section before we can quote. Primary care, family medicine, internal medicine. Surgical referred separately.

What does Hedge need to quote small medical clinics?

Specialty + procedures performed; Provider count (MD, NP, PA, RN); Patient volume; 5-year claims history. Pulling these together with the file gets you to a quote in hours.

Why is small medical clinics edge for Hedge instead of a clean yes?

Small medical clinics can fit, but specific files vary. The Sweet spot section above lists what we quote without referral; the Edge cases section flags the situations that push a submission to individual review. Send the file with the Submission items and we'll come back inside the hour with a quote, a clear set of subjectivities, or a redirect.

Does Hedge write clinic?

clinic is one of the ways brokers describe small medical clinics, and the same edge appetite applies: case by case. The Sweet spot section above covers what we quote without referral, and the Edge cases section flags what pushes a submission to individual review. Send the file with the Submission items and we'll come back inside the hour.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671