Medical Malpractice Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.    

This policy covers damages and legal costs associated with injury claims by patients and other people you don't employ (like from slip-and-fall accidents), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Also called property & liability insurance, a Business Owners Policy (BOP) combines General Liability insurance with coverage for your company’s property. You'll get protection for the building you own or space you lease (in the event of storm damage, for example), as well as any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income and also cover costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

This type of policy provides liability coverage for an allied health professional if they make an error or omission in providing care to a patient that results in injury and the patient subsequently making a claim against that person. The policy can pay the health professional’s legal defense costs, as well as any financial damages awarded to the injured patient.    

This coverage can be purchased as an add-on to a medical malpractice, BOP, or General Liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

If you use company-owned or leased vehicles, this policy protects your business. This type of insurance can cover your legal fees and the medical costs of others if your employee is at fault in an accident, even if the vehicle is used for personal activities outside of its primary business use. For example, it can help protect you if an employee in a company car runs a red light and hits another driver. It can also cover damage to your vehicles.

Every insurance policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection. It can cover costs that exceed the limit of another biBerk liability insurance policy, like a medical malpractice policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit.