Commercial Insurance

It’s not always “business as usual,” so be prepared for the unexpected with the right property and casualty insurance policy.

There are times to refer to a specialist. The same holds true in insurance.

No two patients are exactly alike and the same goes for the policies that insure your practice, especially as the world of healthcare evolves rapidly. Specializing in healthcare insurance, Physicians Insurance designs customized commercial insurance programs, which are comprised of one or more types of coverage, based on a slew of differentiators, including, but certainly not limited to:

  • Where is the business/practice located?
  • Are the building(s) leased or owned?
  • What clinical activities occur in each location?
  • How many employees?
  • What is the annual payroll?
  • How are you handling confidential client data?
  • Are you involved in emerging medical technologies?

It’s time you asked yourself if your assets are sufficiently covered.

BUSINESS OFFICE/PRACTICE POLICY
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When your practice is your business.

Protecting and keeping your business operating smoothly is critical to your success. We can guide you on a range of options to manage risk in the face of unexpected circumstances that may arise frequently in the healthcare industry.

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WORKERS’ COMPENSATION
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Teamwork makes the dream work.

When a team member is injured, the whole operation is impacted. Make sure your practice has the proper coverage to support your team members if they are injured on the job. Workers Compensation Insurance regulations vary by state but are generally a consideration in your insurance program.

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BUSINESS AUTO
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Ensure your “company car” is properly insured.

Does your practice own or lease vehicles? Do your employees use personal vehicles for work purposes, even occasionally?  Does a partner rent a vehicle while at a work conference?  Automobiles associated with a business in any of those ways require special coverages. 

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UMBRELLA
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A useful tool to have on hand, umbrellas come in handy when that rainy day occurs.

Sometimes you need more than just a slicker when the rain comes. An umbrella can protect you against the unexpected. An umbrella policy, as the name connotes, ‘sits over’ something to protect it, in this case it sits over other coverages.

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CYBER LIABILITY
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Cyber threats are Growing. Yet most practices don’t have enough coverage to even minimize recovery costs.

The most common source of a data breach used to be ACCIDENTAL: a stolen or lost laptop, cellphone, desktop computer or thumb drive. Today the most common loss is to hackers.  The average cost of a data breach is over $200 per patient record and total costs typically exceed $100,000 even in small offices, and these costs are just the preliminary costs in the first 90 days after a breach. Cyber liability frequency and severity are both rising annually. 

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MANAGEMENT LIABILITY
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These risks may not involve patient care, but the future of your practice is exposed if allegations are made.

It is critical that your people and their individual roles are adequately insured to protect your business when allegations occur. Management liability insurances may cover a wide range of exposures that you may not have considered.

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MEDICAL TECHNOLOGY, LIFE SCIENCES/PRODUCTS AND CLINICAL TRIALS LIABILITY
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Healthcare. Industry expertise that goes far beyond the exam room.

A physician practice is only one aspect of the global healthcare industry. And, Physicians Insurance can guide you to the coverage you need to keep moving technology, research and solutions forward. Whether your medical activity involves some aspect of biotechnology, med-tech research or clinical trials, Physicians Insurance can assist you to obtain industry specific tailored coverages.

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Our Team

Richard Weston

piam_coant6 November 19, 2018

Richard Weston

CIC, Operations Manager
Specializing in commercial insurance, Rich joined Physicians Insurance in 2002. Since that time, he has built a solid client base, striving each day to know more about insurance products than his competitors and to provide clients with solutions whenever problems arise.

Meet Richard

Deborah Kelley

piam_coant6 November 19, 2018

Deborah Kelley

Operations Manager
A veteran insurance professional, Deborah skillfully satisfies clients’ need for knowledgeable, prompt service, especially when it comes to the nuances of property & casualty. 



Meet Deborah

S. Scott Berger

piam_coant6 November 19, 2018

S. Scott Berger

CIC, Senior Account Executive
Scott has been in the insurance industry since 2002 and joined PIAM in 2013.  He is responsible for several of the largest clients in our agency as well as overseeing the health insurance programs for practices and for retired physicians.


Meet Scott

Gordon Bewick

Gordon Bewick

Meghan Stanley February 21, 2023

Gordon Bewick

Director
Gordon joined Physicians Insurance in 2022 after a storied career in insurance that includes founding Boston Insurance Brokerage (BIB) and 22 years with the Sedgwick Group, a leading Lloyd’s of London brokerage company, and its subsidiaries.  In March 1984, he was chosen by the Sedgwick Group London to move to New York City to be part of a team to establish Sedgwick Group in the United States...  

Meet Gordon

Thomas J. Bryant

piam_coant6 November 19, 2018

Thomas Bryant

ARM, President
After a diverse 25-year career in Canada, including marine industry and federal law enforcement, Tom entered the US insurance world in 2004. Since his first day, he has been involved with healthcare clients — from large health systems to solo practitioners, spanning most specialties and subspecialties.

Meet Thomas

MITIGATE RISK BY
BEING PREPARED

Is it time to examine your current policy? What you don't know — can hurt you.

The simplest way to mitigate risk is to be prepared, and the team at Physicians Insurance welcomes the opportunity to assist you in your preparedness. We are confident that our experience and industry acumen will generate a customized, competitively priced insurance program designed to address your unique needs in the most cost-conscious manner possible. Complete the form, and we will be in touch shortly.

Request Your Free no Obligation Quote Today


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    DISCLAIMER: Our online inquiry forms are to provide current and prospective clients an indication of premium only. Insurance coverage cannot be bound or changed via submission of this online form/inquiry provided on this site or otherwise, email, voice mail or facsimile. No binder, insurance policy change, addition, and/or deletion to insurance coverage will go into effect unless and until confirmed directly by a licensed agent.