• Data compromise response expense – provides the resources to respond to a breach of personal information.
• Computer attack – provides resources to respond to a computer attack.
• Cyber extortion – responds to an extortion threat.
• Data compromise liability – provides defense and settlement costs in the event of a suit related to a breach of personal information.
• Network security liability – provides defense and settlement costs in the event of a suit alleging that a system security failure on the part of the insured caused damage to a third party.
• Electronic media liability – provides defense and settlement costs in the event of a suit alleging that the insured infringed on a copyright or trademark, defamed a person or organization, or violated a person’s right to privacy.
• Identity recovery – provides owners of the insured practice with case management service and financial resources to recover control of their identities after an identity theft.

• Access to eRiskHub®, a risk management portal designed to help prepare and respond effectively to data breach and cyber attacks.

• Access to “TechQ” which offers FREE computer diagnostics by phone and competitive rates for virus removal, technical assistance and related digital security services.
• Access to experts in recovering from cyber extortion and data breaches.
• Process to request case management services and submit expense reimbursement claims.

• Comprehensive coverage with competitive rates
• General Business and Professional Liability with a broad definition of “professional services”
• Telehealth Coverage Included. Under our very broad definition of “professional services,” we do not distinguish between in-person treatment and telehealth
• Defense Expenses Related to Licensing Board Hearings and Other Proceedings (Non-Party Witness Deposition and Records Subpoenas): Up to $25,000 per proceeding with NO annual aggregate (higher limits are available up to $150,000)
• No Association or Membership Dues required
• Insured’s Consent to Settle is required to settle any claim – no arbitration clause
• First Party Assault and Battery Coverage: Up to $25,000 reimbursement for 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: Limit of $250,000 (where allowable/insurable by law)
• Fire Liability Coverage Available: $150,000 liability limit for fire damage to third party property
• Premises Liability Coverage Available: Bodily Injury Coverage and/or Damage to property of patients at each of your practice locations
• HIPAA Violations Coverage Included: Up to $25,000 toward legal fees, fines, penalties, and notification costs
• Occurrence-Based Coverage with limits up to $2 million per occurrence/$6 million aggregate
• No Surcharge for Claims and No Deductible
• Individual, group and corporate coverage – separate limits of liability are available
• Coverage includes but is not limited to: Peer Review and Utilization Review Activities, Clinical Trials, Publishing of Articles or Books and Broadcasting Activities, Telemedicine, and Forensic Practice Coverage
• Personal and Advertising Injury coverage is available
• Medical Director coverage available
• Interest-free quarterly payments and online credit card processing are available

Experienced professional risk managers are accessible to our policyholders for consultation. Our experts can help give guidance on a variety of topics, such as record requests/record retention, confidentiality questions, and other practice related issues.
Our 24/7 Risk Management Support Hotline is available to our policyholders for emergency issues.
Policyholders enjoy online access to Risk Management Materials. Educational Risk Management Presentations are offered frequently.