Hedge / Appetite / Small medical clinics
Review case by case / Professional

Small medical clinics.

Small medical clinics is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Primary care, family medicine, internal medicine. Surgical referred separately. Published target coverage includes Medical Malpractice with a published target of $1M / $3M, General Liability with a published target of $1M / $2M, and Cyber & Tech E&O with a published target of $2M / $2M. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

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

Published target coverage.

These are starting-point lines and limits for a small medical clinics submission. Hedge confirms current fit, route, and available terms after account review.

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 →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$1M / $3M Medical Malpractice for small medical clinics Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M General Liability for small medical clinics Coverage context, underwriting facts, forms, and preparation guidance. $2M / $2M Cyber and Tech E&O for small medical clinics Coverage context, underwriting facts, forms, and preparation guidance. $1M Employment Practices for small medical clinics Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for small medical clinics
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

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

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 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 · Review case by case
MICRA cap considerations.
Small medical clinics in New York
NY · Review case by case
Long statute of limitations.
Small medical clinics in Florida
FL · Review 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 may fit, but the specific file needs the extra detail in the Submission section before Hedge can confirm a route. 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. These items support placement review, but an underwriter may request more.

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 lists the strongest starting profile. Send the file with the Submission items so Hedge can confirm current fit, route, and any additional underwriting requirements.

Does Hedge write clinic?

Clinic is one way brokers describe small medical clinics, and the same case-by-case guidance applies. The Sweet spot section covers the strongest starting profile. Send the file with the Submission items for placement review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671