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Broader Protection for Your Practice

Healthcare professional reviewing practice operations and administrative records in a medical office.

Business Owner's Coverage (BOP)

  • Property Coverage – Covers your building and business property for replacement cost.
  • General Liability Coverage – Protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.
  • Business Interruption Coverage
  • Computer Equipment Coverage

 

Employee with a workplace injury discussing workers' compensation coverage.

Workers' Compensation Coverage (WC)

  • Coverage for an accident or occupational disease resulting from a job-related incident.  
  • Laws vary from state to state.
  • You as the owner/officer of the practice can opt to be included or excluded from coverage.

 

Legal professional meeting with a client to discuss a medical defense matter.

Medefense

  • Coverage for attorney and audit costs incurred in response to actions or proceedings from RAC audit findings, as well as payments for potential fines and penalties.
  • Provides defense costs, civil fines, and penalties coverage for HIPAA, Stark, and EMTALA proceedings.
  • Offers broader coverage than the Administrative Defense Coverage (ADC) included in your PICA policy.

 

Professional practicing cyber security while managing digital systems that support healthcare operations.

Cyber Security

Protects your practice against loss, defense costs, and data recovery costs relating to network security wrongful acts, governmental investigation, data recovery, and patient notification/credit monitoring.

 

Professional reviewing documents during a defense consultation regarding employment practices.

Employment Practice Liability

Covers wrongful acts arising from the employment alleged claims such as wrongful termination, discrimination and sexual harassment.

 

Orthopedic walking boot worn by a patient using durable medical equipment for recovery.

DMEPOS

As a supplier with Medicare for durable medical equipment, prosthetics, orthotics, and supplies, you are required to carry comprehensive liability of at least $300,000, and a surety bond of $50,000 per location.