Written by Sarah Lim, CA Lic# 0M52397

Is Your Private Practice Fully Covered?

Running a private practice includes the storing and using of personal and private data that includes things like emails, patient files, financial records, inventories, etc.  Nowadays, with technology advancing so quickly, a risk of breach in the business network and private data is so high that private practices and doctors’ offices are now seeking out cyber liability insurance.  This insurance can cover you in the following situations: 

1)    Pays for liabilities resulting from a breach of the network or of private data – can cover defense expenses, settlement amounts, etc.

2)    Covers necessary immediate expenses such as cost to notify affected patients by mail, cost to hire a computer security expert to find and fix the breach, and can also cover lost income.

3)    Can cover defense and settlement expenses due to lawsuits claiming things like libel, slander, copyright infringement, invasion of privacy, etc. 

 Employment Practices Liability (EPL) insurance is another kind of insurance necessary to cover a practice from liabilities arising out of the following events:

1)    Discrimination; sexual/workplace harassment

2)    Wrongful termination or discipline; failure to employ/promote

3)    Third-party liability

4)    Breach of contract

5)    Negligent evaluation

6)    Mental anguish; defamation, humiliation, libel, slander

EPL coverage includes the following features:

1)    Judgements, back/front pay, appeals, punitive/exemplary damages

2)    Counsel options

3)    Non-monetary relief

4)    Pre-/post- judgement interest

5)    Prior acts

Thankfully, if you are reading this, you have already taken the first step by getting acquainted with California Attending Physicians.  We not only take care of your medical malpractice policy, but we can also make sure that your general liability needs are covered from every angle when it comes to your practice.  Reach out today to learn more.