Medical Malpractice: One of your most important professional decisions will be your choice in Malpractice advisor, company and contract. We work with multiple insurance companies to provide you options and develop a malpractice program specific to your group. Corporate, Physician Assistants, Nurse Practitioners and Employee vicarious liability are all addressed in your program

Office Property & Liability: Medical Businessowners or Physician Property and Liability, call it what you want, your ability to keep your practice in business and protected from financial loss is critical. Business Property, Building Improvements, Renovations, High Value Medical Equipment, Business Income, Premise Liability and Non-Owned Auto are just part of the conversation.

Workers Compensation: In Massachusetts (and most other states) Worker’s Compensation insurance for your business is required by law. Worker’s Compensation will provide medical and lost wages insurance for any of your employees injured while on the job. How and what company offers your Worker’s Compensation will determine what premium discounts or dividends may be available.

Medical Equipment: Just like all physicians are not the same, all medical groups are not the same and need to be evaluated individually. Ultrasound, Mammography, Bone Density, X-Ray and Laser equipment are excellent examples of valuable business property that needs specific protection. Don’t insure your high value medical equipment as you would the chairs in the waiting room.

Group Health Insurance: If your company offers Health Insurance to your employees, a Group Health Insurance Plan could provide a Health Insurance plan to any employee and any dependents of an employee.

Employment Practices Liability: Employee suits against medical group management and ownership for employment related claims. Gender/Age Discrimination, Sexual Harassment, Wrongful Termination, Emotional Distress, Americans with Disabilities Act Violations.

Billing Error Omissions: Protection from allegations of Medicare / Medicaid fraud, Billing coding errors or Commercial payor audits. Even with strong billing and security controls, medical groups of all sizes are vulnerable.

Cyber Liability / Data Breach: An illegal breach of your secure network, stolen laptop, lost thumb drive or employee error, all pose real threats . Answers to security breaches, patient notification, data recovery, and privacy regulations found in HIPPAA, Gramm-Leach Bailey and HITECH.

Fiduciary Liability: Owner, officer or trustee of 401-K plan or other qualified benefit plan, You can be held personally liable for allegations of errors, omissions, and breach of duty for losses on the plan.

Directors & Officers Liability: Not just for public companies, private companies also have a need for D&O Liability. Protection for managerial actions involving suits by employees, creditors, competitors, clients and regulatory agencies. Corporations and individuals are often named in suits.

Crime: Property insurance may not include crime coverage. Acts of employee dishonesty, forgery, computer fraud, funds transfer and extortion are often limited or excluded. Crime will fill the gap.

Business Overhead Expense: An owner or group partner is disabled due to injury or sickness. How does the group continue to pay expenses with the reduction in income? What financial obligation is owed to the disabled owner/partner? Income to pay ongoing; salaries, taxes, benefits, lease-mortgage, etc.

Long Term Care: Who will determine how and where your medical care is delivered when you can not? Home care, Assisted-living, Nursing Home or something else? Secure coverage when your health is good, costs are lower and may be part of your group benefit plan.