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For physicians
Our program is healthier
Our Deluxe Professional Office Program for Physicians gives you a stronger dosage of insurance
protection than programs offered by many other companies. Our package includes the special
coverages you need for your business, plus you can add plenty of optional coverages and
related life insurance protection. The result is a unique business owners package that is
very good for your practice.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
With our physicians’ program, we give you exceptional built-in features, such as:
- Business property off premises All your medical and office equipment and supplies
and other business personal property is covered while it is in transport to and from your
office, at home or at other locations away from your premises.
- Replacement cost coverage for property of others If property in your care is
damaged or destroyed in your office, you’re insured at replacement cost rather
than actual cash value. The coverage pays, regardless of fault, up to your business
personal property limit and applies to anything from equipment you lease to personal
possessions of employees and patients.
- Hired and non-owned auto coverage As an employer, you can be held liable if one
of your full- or part-time employees is negligent while driving his or her vehicle on your
behalf-whether driving a patient home, transporting records from office to hospital,
making a bank deposit, or merely going out for sandwiches. Normally you must buy separate
coverage for this exposure, but we include it.
- Off-premises utility coverage If power failure temporarily knocks you out of
business, most insurance programs don’t assist you. Ours pays for loss of income and
extra expenses you incur after the first 12 hours following the loss.
- Stock spoilage coverage If you refrigerate injectables, diagnostic kits or blood
and other lab specimens and they become unusable due to mechanical breakdown or
interruption of electrical power, you’re covered up to the business property limit of
your policy.
- Fire legal liability coverage We have broadened this important coverage to insure
damage from most causes of loss-including water damage and explosion. You’re
protected, for example, if your water heater ruptures and a building you rent or someone
else’s office gets soaked.
Our Deluxe Physicians Program also includes these important all-around business
coverages:
- Business income and extra expense coverage for up to 12 consecutive months
following a loss.
- Money and securities for funds that are stolen or destroyed while on or off your
premises.
- Accounts receivable coverage for money you are unable to collect because these
records are destroyed.
- Valuable papers and records coverage to restore or replace these documents.
- Sewer/drain backup coverage for damage caused by backed-up sewers or drains.
- Glass coverage for damage to exterior or interior glass.
- Outdoor signs
- Statues, marble, porcelains and other fragile articles
Of course, our Deluxe Professional Office Program for Physicians also provides all the
fundamental property and general liability coverages found in standard commercial policies
to protect your building, contents, premises and operations, plus many other
tried-and-true coverages to guard your business against financial loss.
Optional coverages for your practice
We offer over 35 options to help you customize your physicians program, including:
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation This coverage integrates a funded buy/sell agreement into
your plan, protecting the interest of the owners of your practice and the future of your
operations.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employee dishonesty With your choice of limits per occurrence.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
Life insurance to protect you and your practice
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other insurance needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your underlying
policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our physicians’ program? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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