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The ability to protect and keep your business running is key. Every healthcare
practice needs coverage to protect from financial loss, and putting the right
coverage in place can help spell business survival in the face of daily risks
and unexpected circumstances. PIAM offers the following:
•Flexible small Business Owners’ Policies
encompassing a wide range of insurance enhancements, including:
– Identity
Recovery Coverage for small business owners and their full-time employees
– Building
and Business Personal Property insurance to repair or replace your building
and any equipment, stock, furniture or fixtures you own
– Business Liability
insurance for costs arising from claims of injury or damage caused to others
by you or your employees
- Optional daily limits for Business Income give you the choice and flexbility
of how much paperwork you want to submit
• Workers’ Compensation insurance that may go beyond mandated coverages
and offers expanded coverage in key areas. The program includes 24/7 claims
reporting, state-of-the-art managed care services, preferred medical networks,
and pharmacy benefits.
• Commercial auto liability that includes 17 valuable insurance enhancements
for hired autos, legal liability coverage for negligent drivers, and other
advantages above and beyond most standard policies — at no extra charge.
Special Coverages
These are some of the special coverages automatically included
in our office package policy program at no additional premium charge:
• High value medical equipment
• Medical Library Coverages
• Tenants Improvements and Betterments
• Fragile Articles
• Loss of Refrigeration
• Business Income
• Off-Premises Services Failure
• Personal Effects
• Claims Expense
• Cell Phone Coverage
Optional Coverages
You can add the following additional coverages to the basic policy to truly
customize your insurance program:
• Spoilage of perishable medicine and medical supplies
• Computer/EDP
• Commercial Umbrella
• Earthquake
• Boiler & Machinery
• Employee Benefits Liability
• Hired & Non-Hired Auto
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