• 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 (Maryland Residents require a separate policy for this coverage)
• 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
• Emergency Aid Coverage: Reimbursement to you up to $15,000 for 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 on 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: “Prior Acts” coverage is available; therefore, it is not necessary to purchase tail coverage to change to our policy
• No Surcharge for Claims and there is 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, Tele-therapy 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 credit card processing and confirmation is available same day in most cases
• Experienced claims professionals and knowledgeable customer service representatives are easily accessible by telephone

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

• 35% Part Time Discount is available for up to 20 client hours a week – employment can be excluded
• 5% Risk Management Discount for 3 hours of pre-qualified Risk Management Courses

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