Employment practices liability insurance (EPLI or EPL)
Insurance that provides coverage for claims arising out of employment practices. EPLI policies generally cover the organization, its directors, officers, and employees. Please click here to apply for coverage.
Directors’ & officers’ liability insurance (D&O insurance)
Insurance that provides coverage against wrongful acts which might include actual or alleged errors, omissions, misleading statements, and neglect or breach of duty on the part of the board of directors and other insured persons and entities. Many D&O policies include employment practices liability coverage. Please click here to apply for coverage.
Fiduciary liability
Protects the fiduciaries of health and welfare, or pension plans from claims by employees alleging financial loss due to mismanagement of funds.
Excess liability insurance
Provides coverage over and above primary insurance. The coverage is triggered when the amount of a loss exceeds (exhausts) an existing primary policy. Excess liability coverage mirrors the terms and conditions of the underlying policy.
Cyber Liability
With the increased use of e-commerce, web-based file storage and the proliferation of smart phones, laptops and tablets in businesses of all sizes, the risks associated with data security are growing quickly.
- Keys to look for when buying Cyber Liability:
- Security and Privacy Liability
- Network Asset Protection
- Multimedia Liability
- Privacy Breach Response Costs
- Privacy Regulatory Defense and Penalties
- Cyber Extortion
- Cyber Terrorism
- Business Interruption
Cyber and privacy insurance is often confused with technology errors and omissions (tech E&O) insurance. In contrast to cyber and privacy insurance, tech E&O coverage is intended to protect providers of technology products and services, such as computer software and hardware manufacturers, website designers, and firms that store corporate data on an off-site basis. Nevertheless, tech E&O insurance policies do contain a number of the same insuring agreements as cyber and privacy policies. Please click here to apply for coverage.
Medicare & Medical Billing Audit E&O
The recent expansion of RAC and ZPIC audits, the Hi-Tech Act and ongoing concerns about patient privacy and identity theft makes healthcare providers vulnerable for allegations of fraud, abuse and electronic data misuse that goes far beyond the delivery of medical services. MEDEFENSETM PLUS and e-MDTM were designed to specifically address these concerns and provide coverage that is not afforded under medical professional liability or directors insurance policies. It will protect you from Defense & Fines and Penalties coverage for Medicare/Medicaid Audit: Includes allegations of billing violations from various sources including commercial payers and governmental. Please click here to apply for coverage.
