Healthcare-Focused Crime Insurance

Healthcare Focused Business Owners Policies to cover property & general liability in your medical office

Comprehensive Business Coverage

Package umbrella coverages to ensure above and beyond coverage to protect from the largest of liabilities

Create Custom Policies to Fit Your Needs

Custom tailored business owners and general liability insurance policies to fit your healthcare practice & budget

commercial crime Coverage Highlights for Healthcare

• Employee dishonesty. Any loss or damage to money, securities or other property caused by employee theft or forgery. If a business is aware that an employee has previously stolen from the business, losses caused by that employee may not be covered.

• Forgery or alteration. If checks, promissory notes or other promises to pay money are drawn on your account and forged by someone other than your employee, commercial crime insurance will cover the losses. This insurance also will provide payment for legal fees to defend against lawsuits if you are sued for refusing to pay for a forged check or promissory note.

• Theft of money or securities from inside the premises. This covers the loss of money or securities from theft, disappearance or destruction when the money or securities are located on your business premises. It also covers damage to the building or premises, as well as damage to any locked safe, vault or cash register resulting from actual or attempted theft. This coverage is for non-employee thefts. Note that this coverage does not cover property other than money and securities if it is stolen by a non-employee.

• Robbery or safe burglary of other property inside the premises. Robbery is a more specific form of theft which is the taking of property by force or under the threat of force. Safe burglary is the taking of property from inside of a locked safe. This covers the loss of other property (not including money or securities) from your business premises via robbery or safe burglary by non-employees. It also covers damage to the building, premises, or locked safe that occurs during a robbery or safe burglary. Note that this coverage excludes nonviolent shoplifting from retail stores.

• Loss of money or securities outside the premises. This covers the loss or damage to money or securities while outside your business premises if the property is in the care of a messenger or armored car due to theft, disappearance or destruction. It also covers loss or damage to other property while off-premises and in the care of a messenger or armored car due to robbery.

• Computer fraud. Losses or damage from the fraudulent transfer of your money, securities, or other property to a place outside your business premises or bank resulting from the use of any computer.

• Funds transfer fraud. Losses resulting from fraudulent instructions provided to a financial institution that leads them to transfer funds out of your account.

• Money orders and counterfeit money. Losses resulting from counterfeit money orders or counterfeit money that your business has accepted.

The Insurance Company Standard

ONLY THE BEST OF CARRIERS WITH STRONG FINANCIAL STRENGTHS & DEFENSE PROGRAMS

We look for only the best ratings and financial stability in the Medical Professional Liability Insurance Companies in our portfolio of carriers. With access to admitted, non-admitted, mutual protective trusts and more, our clients have options.

The Brokerage Service Standard

WE WORK FOR OUR CLIENTS, NOT THE INSURANCE COMPANIES

Our business model allows us to shop multiple insurance providers without any additional costs to you. Insurance premiums are set from the insurer with pre determined commissions to the agents. Let us work for you!