• Defense Expenses related to Licensing Board Hearings and Other Proceedings: Limit of $5000 per proceeding is included with NO annual aggregate; optional increase of defense expense limit is available up to $150,000
• First Party Assault and Battery Coverage: Reimbursement up to $25,000 in medical expenses related to injuries and/or personal property damage caused by a patient or client
• Medical Payments Coverage: Limit of $100,000 for Medical Payments to a patient or client arising from bodily injury on your business premises
• Punitive Damages Coverage: Up to $25,000 (where allowable/insurable by law)
• Subpoena for Records: Limit of $5,000 per proceeding with NO annual aggregate (higher limits are available up to $150,000)
• Loss of Earnings: Insurer will pay the Insured up to $1,000 per day for loss of earnings, if the Insured is unable to render Professional Services while assisting in the defense of a covered Claim
• Emergency Aid Coverage: Reimbursement up to $15,000 for your costs and expenses for medical supplies and lost earnings up to $100 due to the provision of volunteer emergency treatment or services
• Fire Legal Liability Coverage: $150,000 liability limit for fire damage to third party property
• Premises Liability: Bodily Injury Coverage and/or Damage to property of patients at your primary office locations(s) with no additional cost
• Information Privacy Coverage (HIPAA): Up to $25,000 defense provided for federal and state regulators who investigate you for violations of privacy protections statutes (where allowed by law)
• Limits up to $2 million per occurrence/$4 million per policy year (higher limits available if required by law)
• “Prior Acts” coverage is available; therefore, it is not necessary to purchase tail coverage to change to our company
• No Surcharge for Claims
• No Deductible
• Individual, group and corporate coverage – separate limits of liability are included
• Broad coverage at affordable rates includes Personal and Advertising Injury Coverage, Publishing of articles or books and broadcasting activities, Teletherapy Coverage and Forensic Practice Coverage
• Coverage for Peer Review and Utilization Review Activities
• Payment of Defense Expenses is in addition to the Limit of Liability for Professional and General Business Liability Coverages
• Insuring company has an A.M. Best rating of “A” with strong financial stability
• Online application processing is available in most cases
• Experienced and knowledgeable claims professionals and customer service representatives are easily accessible by telephone
• Interest-free quarterly payments (annual premium over $1000) and online credit card processing

• Risk Management Consultation Services are accessible for our policyholders with experienced and professional risk managers, on a variety of topics, such as record requests/retention, privacy questions and other risk related issues

Discounted online Risk Management Courses with BehavioralHealth, Zur Institute and Telehealth