Insurance for Healthcare Professionals

A Business Owner’s Policy (BOP) combines common business coverages (General Liability and Property Insurance) into one convenient policy. BOPs can be a great fit for many healthcare practices and provide flexibility with optional coverages to fit your practice’s unique requirements.

Often referred to as Medical Malpractice Insurance, professional liability helps cover you and your practice if you make a mistake in the care or services provided to a patient.

Often referred to as business liability, general liability protects your practice from general claims that arise out of normal day to day operations. Coverage is considered 3rd party, meaning it protects against injuries and property damage to others.

Business Property also referred to as Commercial Property Insurance and Business Personal Property Insurance, as the name implies, covers the physical location, equipment and contents of your practice.

Technology brings incredible capabilities to our fingertips. Unfortunately, it also brings additional risk. Healthcare environments handle sensitive patient data every day and are subject to lengthy regulation on how that data is handled, stored and communicated. Even a simple oversight can result in costly mitigation requirements. Cyber Liability coverage is designed to provide access to the experts and cover the costs associated to resolve issues.

Workers Comp provides benefits to your employees if they get injured on the job or become ill from their job. If you have employees, Workers Comp is required by law in just about every state, though the details may vary.

Also referred to as commercial auto, business auto can be very straightforward (insuring vehicles your company owns) but also confusing (i.e. using personal vehicles for business). While many of the coverages are similar to that on a personal auto policy, the limits and conditions can be very different and may vary based on the use of the vehicle.

Umbrella policies are essentially insurance above and beyond other liability policies that you may have. Without this type of coverage you would have to pay out of pocket for losses that exceed your other policies limits.