The platform carries D&O. Are founders covered?

Platform programs serve the platform; founders holding earn-outs need their interests reviewed independently — often the deal’s most under-lawyered exposure.

MSO versus practice entities — who is insured?

Definitions must sweep the structure; we map entities before placing so nothing falls between.

Payer shocks — insurable?

The governance claims they trigger are; the rates themselves are not. That boundary is the placement.

Structure, deal terms, payer mix — one submission.

D&O Insurance for Urgent Care Centers

Who sues the leadership of urgent care centers

Roll-up economics — earn-outs, rollover equity, MSO structures — generate founder-versus-platform disputes when integration meets projections.

Payer-contract terminations and rate shocks convert growth plans into lender and partner claims about representations made at raise.

How D&O fits with EPL, cyber and fiduciary coverage

Malpractice covers care; EPLI covers the seven-day workforce. Our urgent care management liability guide carries the employment side. See our full urgent care centers management liability guide for the employment-practices side of the program. Explore D&O insurance, cyber liability, and fiduciary liability, or start with employment practices liability.

What a claim can look like

Illustrative scenario

A physician-founder’s earn-out misses after the platform re-brands his flagship site; the de-identification decision becomes the manufactured-shortfall claim.

Illustrative scenario

A dropped payer contract undercuts the projections in last year’s recap; the sponsor’s board designees face minority-holder claims.

Scenarios are illustrative composites, not descriptions of actual claims or outcomes. Whether any claim is covered depends on the policy issued.

What carriers will ask about your organization

Ownership/MSO structure and transactions
Earn-out and rollover terms outstanding
Payer concentration
Site-growth commitments
Claims history
Revenue and payroll

One application. Multiple A-rated carriers.

We market your account and you compare terms side by side — no obligation.

Get Multiple Quotes within minutes

Frequently asked questions

The platform carries D&O. Are founders covered?: Platform programs serve the platform; founders holding earn-outs need their interests reviewed independently — often the deal’s most under-lawyered exposure.
MSO versus practice entities — who is insured?: Definitions must sweep the structure; we map entities before placing so nothing falls between.
Payer shocks — insurable?: The governance claims they trigger are; the rates themselves are not. That boundary is the placement.
What starts quotes?: Structure, deal terms, payer mix — one submission.

Provident Financial Group is an independent insurance agency, not a carrier. We place coverage for urgent care centers in New Jersey, New York, Connecticut, Vermont, Ohio, Pennsylvania, Michigan, Kansas, North Carolina, South Carolina, the District of Columbia, Virginia, Maryland, Delaware, Georgia, Florida, Texas, California, Kentucky, Massachusetts, Indiana, Nevada, and Arizona.