Business Owners Coverage (BOP)

• Property Coverage – Covers your building and business personal property for replacement cost.
• General Liability Coverage – Protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.
• Business Interruption Coverage
• Computer Equipment Coverage

Medefense

• Coverage for attorney and audit costs incurred in response to actions or proceedings from RAC audit  findings, as well as payments for potential fines and penalties.
• Provides defense costs, civil fines and penalties coverage for HIPAA, Stark and EMTALA proceedings.
• Offers broader coverage than the Administrative Defense Coverage (ADC) included in your PICA policy.

Workers Compensation Coverage (WC)

• Coverage for an accident or occupational disease resulting from a job-related incident.  
• Laws vary from state to state.
• You as the owner/officer of the practice can opt to be included or excluded from coverage.

Cyber Security

• Protects your practice against loss, defense costs, and data recovery costs relating to network security wrongful acts, governmental investigation, data recovery, and patient notification/credit monitoring.

Employment Practice Liability

• Covers wrongful acts arising from the employment alleged claims such as wrongful termination, discrimination and sexual harassment.

DMEPOS

• As a supplier with Medicare for durable medical equipment, prosthetics, orthotics, and supplies, you are required to carry comprehensive liability of at least $300,000, and a surety bond of $50,000 per location.