Insurance Checklist for Practices

Medical Malpractice Insurance
Coverage for individuals, corporations, employees

Other Professional Liability Insurance
Coverage for nurse practitioner, expert witness, clinical research, telemedicine, etc.

Workers Compensation Insurance
Mandatory in Massachusetts, even if there are no employees

Medical Office Policy
Covers general liability, office furnishings, equipment, building, improvements to leased space and build-outs.

Commercial Umbrella/Excess Liability
Provides coverage in the event of a catastrophic liability loss

Employment Practices Liability
Responds to allegations of wrongful termination, failure to promote, harassment, discrimination

Billing Errors & Omissions
Responds to allegations of fraud and abuse

Data Breach/Privacy Insurance
Responds to risk involving personal health information.

Directors & Officers
Coverage for allegations against the organization's officers or board

Errors & Omissions
E & O insurance covers the exposure areas that include vicarious liability, credentialing and peer review, provider selection and utilization review

Health & Dental Insurance
PPO, POS, HMO and group dental programs for your practice

Office Overhead
Protection to continue operations if you or another staff physician become disabled

Life Insurance and "Key Person" Insurance
To facilitate buy-out agreements and perpetuation of the practice

Group Life & Disability Insurance
Insurance and flexible benefit programs for you and your employees.

Long Term Care Insurance
This voluntary benefit for you and your employees covers costs of home care, assisted living, nursing home.

Bonds
ERISA compliance for pension and profit-sharing plans

Personal Insurance & Services
Homeowners, auto, personal umbrella, jewelry, mortgage

For Employees
Group accident & illness insurance for your employees

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