Common Risks

Your Risk

Our Solution

Prior to a root canal procedure, your assistant accidentally sticks herself with the needle after giving the patient a Novocain injection.

Workers' Compensation

Covers the initial costs for testing your employee and the source patient (not all Workers' Compensation insurance reimburse for patient testing). In addition, it may also include payment for employee treatment, according to The Center of Disease Control guidelines, if testing results reveal the source patient has HIV, Hepatitis B or Hepatitis C.

You hire a temp while your billing clerk is on vacation. During his lunch break, unaware that it is against office policy, the temp surfs the internet. After you address the incident, you are unable to access your online patient records because a virus as a result of the temp's surfing has infected the system.

Computers and Media Insurance

Protects your investment in computer technology by reimbursing you for...

• Physical loss or damage to your computer hardware;
• Loss of or damage to data or computer software - including electronic patient records
• Damage caused by computer virus or denial of service attack, head crash or theft (including loss off-premises)

A new hire is having difficulty working with your longer-term employees and you terminate her. She is 57 years old and files suit for wrongful termination - claiming age discrimination.

Employment Practices Liability Insurance*

Coverage includes legal defense costs, for certain employment-related lawsuits brought against you by your employees or job applicants.

A windstorm damages overhead transmission lines, leaving your practice without electricity. You are unable to see patients for days.

Business Income Extension for Off-Premises Utility Services Insurance

Reimburses actual loss of earnings for a maximum of 12 consecutive months, as well as extra expenses needed to continue business operations during the period of restoration resulting from a covered property loss.

Over a long weekend, a sprinkler leak has caused extensive damage. You are unable to see patients for 4 days and must reschedule appointments.

Business Income for Interruption of Practice

Reimburses earnings up to a specified daily limit for the first 15 days of loss. No earnings documentation is required to recover income from canceled patient appointments during this period. After the first 15 days of loss, coverage is for the actual loss of income. There are a variety of optional daily limits, so you can select the level of coverage that's right for your practice.

Your office manager is diagnosed with carpal tunnel syndrome due to work-related repetitive motion (eg: data entry).

Workers' Compensation

We help your injured workers obtain quality care, providing access to over 500,000 healthcare providers and nearly 53,000 retail pharmacies nationwide. Our return-to-work program assists your injured employees in getting back to work as soon as medically appropriate. We also have nurse case managers available to handle complex cases.