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Is your practice protected?

“I have referred you to many of my colleagues”

- Psychiatrist in San Francisco, CA

Medical Malpractice Insurance

What is Covered?

Professional liability coverage protects healthcare professionals from liabilities associated with wrongful practices, including bodily injury, medical expenses, or property damage. It also covers defense costs in lawsuits related to such claims.


When Does Coverage Apply?

Claims may be filed long after treatment took place. There are two primary types of policies:

  • Claims-Made Policy: Coverage is provided only if the policy is active when a lawsuit is filed.

  • Occurrence Policy: Covers claims for events that occurred while the policy was active.

What Types of Claims Are Covered by Medical Malpractice Insurance?

Medical malpractice insurance covers a range of claims arising from errors or omissions that lead to patient harm. Common types of claims include:

  • Misdiagnosis: Incorrect or delayed diagnoses that cause harm.

  • Birth Injuries: Mistakes during childbirth resulting in injury to the mother or child.

  • Treatment Errors: Inadequate or improper treatment.

  • Surgical Complications: Issues arising from surgical procedures.

  • Medication Errors: Incorrect prescriptions or dosages.

This insurance helps cover legal costs and protects healthcare providers from financial loss and reputational damage.

“You lived up to your name, Johnny-on-the-spot”

- Dentist in Redwood City, CA

General Liability & BOPs

What is covered?

General liability insurance protects your business from claims related to bodily injury, property damage, personal injury, and false advertising.

What is a BOP?

A Business Owner’s Policy combines general liability and commercial property coverage, making it ideal for protecting businesses with a physical location, equipment, inventory, and/or customer interactions.

Example of a claim:

A client slips on a wet floor in your office, sues for medical expenses, and your insurance covers the costs and legal fees.

“I wish I found you sooner. Thanks for answering all my questions”

- PCP in CA

Cyber Liability

What is covered?

A wide range of cyber threats, including data breaches, ransomware, extortion, data restoration, and business interruption. It also covers liability costs for third-party claims, regulatory fines, and penalties related to privacy laws. Additionally, it can cover expenses associated with public relations and media liability following a cyber incident​.

 

Who needs it?

Any business that handles sensitive customer data, relies on digital systems, or faces potential cyber threats should consider cyber insurance. This includes small to medium-sized businesses, healthcare organizations, financial institutions, and retail companies, all of which are at high risk of cyberattacks​.

 

Example of a claim:

A company might experience a ransomware attack where hackers encrypt their data and demand a ransom for its release. The insurance policy would cover costs related to negotiating and paying the ransom, recovering lost data, and any business interruption that occurred during the incident. It may also cover liabilities if sensitive customer data was compromised.

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- Practice Manager in CA

Workers Compensation

What Is Workers' Compensation Insurance?
Workers' compensation insurance provides financial benefits to employees who suffer work-related injuries or illnesses, covering medical expenses, lost wages, and more.

Do 1099 Employees Need Workers' Compensation Insurance?
Typically, 1099 contractors do not require coverage unless state law specifies otherwise. However, including them in your policy may help protect your business in the event of an incident.

Do I Need Workers' Comp Insurance?
Most states require workers' comp insurance for businesses with employees. It helps cover work-related injury claims.

How is the premium calculated?
Premiums are based on factors like industry, payroll, and claims history.

“You found us a better policy, and much faster than our last broker”

- Psychologist in Northern CA

Employment Practices Liability Insurance

What is an EPLI?

Coverage against claims by workers that their legal rights as employees of the company have been violated.

Policies reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements. The policy covers legal costs, whether your company wins or loses the suit.


What types of lawsuits are covered?

  • Discrimination

  • Sexual harassment

  • Wrongful termination

  • Breach of employment contract

  • Negligent evaluation

  • Failure to employ or promote

  • Wrongful discipline

  • Deprivation of career opportunity

  • Wrongful infliction of emotional distress

  • Mismanagement of employee benefit plans

How much does an EPLI cost?

Following are examples of different quotes, with all fees included:

  • $1,762 for a practice in CA with a limit of $250,000

  • $4,504 for a practice in CA with a limit of $500,000

  • $5,992 for a practice in CA with a limit of $1,000,000

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