Business Insurance Solutions for Healthcare Practices

Professional Liability Coverage
Up to $1,000,000 each claim / $3,000,000 annual aggregate 

Proceeding Expense Reimbursement
Reimbursement of up to $25,000 annual aggregate / $1,000 per day for lost wages and other covered expenses incurred for insureds required to attend a trial, hearing or proceeding as a result of a covered claim    

License Defense Expenses
Reimbursement of up to $25,000 annual aggregate for attorney fees necessary to investigate and defend you in the event that disciplinary charges are filed against you with a state or federal agency responsible for regulating your professional conduct

Business Owner Coverage Extension
Covers the business owner while they are providing care away from their business

Enterprise Privacy Protection (Cyber)

• Privacy Injury Liability 
• Privacy Regulation Proceeding  
• Privacy Event Expense 
• Up to $100,000 aggregate*

 
General Liability
General Liability is a foundational business insurance policy.  It insures your business from claims of third-party injury or property damage, a tenant’s legal liability to their landlord, products liability, advertising injury, and more. 

Additional coverages: 

• Non-Patient Medical Expenses – Up to $25,000 per person, up to $100,000 aggregate  
• Consulting Services
• Services to Animals Property Damage – Up to $10,000 annual aggregate for damage to the property of others caused by an insured  
• Subpoena Assistance Costs – Up to $10,000 aggregate 
• Patient First Aid Medical Expenses – Up to $10,000 aggregate 
• Abuse and Molestation – Up to $25,000 aggregate** 
• Personal Injury Protection 
• Assault Coverage - Up to $25,000 aggregate ***
• Media Event Expenses Supplementary Benefits Endorsement - Up to $100,000 aggregate 
• Employment Practices Liability (EPL)- Up to $25,000 aggregate **** 

*Coverage not available in all states and may vary by state 
**Higher limits available when contractually required to qualifying insureds  
*** Assault coverage not available in Texas 
**** Higher EPL limits up to $100,000 are available

For more information on optional coverages or to get a quote, visit: www.affinitycommercialsolutions.com

Commercial Property
This policy insures the physical assets of the business and is appropriate whether you own or lease your space. 

Commercial Automobile
Commercial Automobile Insurance, similar to your personal automobile insurance policy, provides coverages such as liability, collision, comprehensive, medical payments, and uninsured motorist coverage. 

Umbrella Liability
An umbrella liability policy will provide liability limits over some of the most common business insurance policies (for example, General Liability, Commercial Auto, Workers’ Compensation).  Umbrella liability coverage is often purchased to satisfy insurance requirements for a customer, or for businesses with greater than $1M in annual revenue.

Excess Liability
Excess liability insurance is provided above a specified underlying policy in order to provide a higher limit of coverage for larger claims. 
 
Business Owners' Coverage Options *****

Property
Building (if owned) and contents 

Commercial General Liability
Bodily injury and property damage 

Business Income Protection
Actual loss sustained up to 12 months 

Additional Coverage Extensions
Accounts receivables records, privacy and security liability, employee theft and more 

_{***** Not available in all states or for all professions} 
All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.