Who This Is For
Built for freestanding diagnostic imaging centers and outpatient radiology practices offering X-ray, MRI, CT, ultrasound, or mammography services. Because imaging equipment represents such a significant investment, this page focuses heavily on protecting that equipment and the income it generates.
Coverage Options for Imaging Center
Imaging centers with high-value equipment are eligible. Equipment breakdown is strongly recommended for MRI and CT units, and business income coverage helps protect against downtime during repairs.
Business Owners Policy
Bundles general liability and commercial property into a single, typically lower-cost policy that covers most day-to-day risks for the practice.
Professional Liability
Covers claims of negligence, errors, or omissions connected to the clinical services or advice you provide to patients.
General Liability
Protects against third-party claims of bodily injury or property damage — for example, a patient or visitor hurt in your office or waiting room.
Equipment Breakdown
Covers the mechanical or electrical failure of diagnostic, treatment, or imaging equipment — often excluded from standard property coverage.
Cyber
Covers costs from a data breach, ransomware attack, or other cyber incident affecting patient records, scheduling systems, or payment data.
Workers Compensation
Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.
Commercial Property
Covers your office, equipment, and business personal property against fire, theft, water damage, and other covered perils.
Business Income
Replaces lost revenue and covers continuing expenses if a covered property loss forces you to temporarily close.
Real-Life Claim Scenarios for Imaging Center
MRI Equipment Breaks Down
The cooling system on an MRI unit fails, requiring an emergency repair and canceling a full day of scheduled scans.
Equipment BreakdownPower Surge Damages Diagnostic Systems
A grid power surge damages the CT scanner's control electronics, taking the unit offline for repairs.
Equipment BreakdownCenter Loses Income During Repairs
With the only CT scanner offline for two weeks, the center loses a significant share of its scheduled scan revenue.
Business IncomePatient Slips in the Imaging Room
A patient slips getting onto the imaging table and sustains a wrist injury, resulting in a liability claim.
General LiabilityCyberattack Exposes Imaging Files
A ransomware attack encrypts the center's PACS imaging archive, exposing patient scans and identifying information.
Cyber
Common Insurance Requirements
What Affects Cost
These are the main factors Travelers underwriters typically review when pricing this class:
- Types of imaging services offered (X-ray, MRI, CT, ultrasound, mammography)
- Equipment types and total replacement value
- Number of exam rooms and technicians
- Annual revenue
- Claims history
- Use of contrast media
- Volume of imaging files and patient records stored electronically
- Location and facility square footage
Frequently Asked Questions
Related Healthcare Classes
Get a Imaging Center Insurance Quote
Tell us about your practice and Casurance can help you review Travelers coverage options for imaging center.
Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage or medical/legal advice.
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