Insurance Consulting

Unbiased credentialed advisors are available on a fee basis to provide information on most lines of insurance and for risk management to help you make an informed decision or to provide you with a credible “second opinion”. Our consutants are licensed, experienced, insured Trusted Choice Independent Agents.

Medical Malpractice/Professional Liability

Protection for claims arising out of rendering or failure to render proper standard of care, medical diagnosis, or treatment to a patient for which the physician is legally responsible, including vicarious coverage for employees/ancillary personnel or related corporate exposures.

Miscellaneous Errors & Omissions Coverage (E&O)

Various coverage for moonlighting; locum tenens, consulting for medical related projects, expert witness, etc.

Medical Defense Coverage

Healthcare Regulatory coverage; Protection from the inherent business risk associated with compliance with billing/coding audits, RAC audits, including coverage for defense cost, first and third party coverage, fines and penalties. (Medical License defense protection can be added or provided separately)

Cyber Liability

Computer network security coverage and privacy/information (HIPAA) protection, including loss of business income from a cyber event and extra expense coverage to comply with expensive legal requirements to notify all affected parties, as well as coverage to recover compromised data.

Workers Compensation (WC)

Insurance providing compensation to an employee if injured while performing their job duties, whether or not the employer has been negligent. Includes coverage for injury, disease and death. Provides coverage as needed for hospital care, medical service payments to physicians, physical therapy, medication, loss of work pay and disability.

Medical Office Property/Liability (Package)

Provides coverage for office building &/or office contents, general liability; and can be customized to include loss of business expense and extra expense, medical equipment, hired/non-owned auto liability.

Employment Practices Liability (EPLI)

Coverage for the inherent liability of employers; negligent hiring/firing, harassment, discrimination and other employment related exposures not covered elsewhere.

Directors & Officers Liability (D&O)

Protects the decisions made by the Directors & Officers of a company for damages from claims resulting from their negligent or wrongful acts &/or errors/omissions in the course of performing their fiduciary duties. Often this coverage can name the entity as well as individual directors/officers and can include EPLI.

Key Person Life

Insurance for the key persons in your business in the event of their untimely death; structured for business continuation and continuity.

Life Insurance

To protect those you leave behind; two types: insurance coverage for the duration of your life, (permanent insurance), and insurance for a certain period of time, typically 10, 20, or 30 years(term insurance).

Disability Coverage

Insurance for your paycheck – provides income in the event you cannot work due or are incapacitated by a medical issue/disease, or accident.

Asset Protection

Various financial services; asset allocation products, and tools are available from our experienced, licensed life coaches and financial counselors.

Long Term Care Coverage

Provides coverage for chronic medical conditions and funding cost of providing daily living arrangements; funds to hire assistance with activities of daily living such as bathing, dressing, toileting, eating, etc. A good policy provides benefits anywhere—in a nursing home, an assisted-living facility, a hospice facility, or even at home.