Russell Bond & Co., Inc. November 2017  
Medical Providers Office Package
Office package carriers often focus on property and general liability coverage rather than the increased exposure of Employment Practices Liability (EPL) faced by medical offices.  Doctors and dentists face higher valued EPL claims due to the higher incomes of their employees who can make allegations of wrongful termination, discrimination, harassment, retaliation and failure to pay overtime.  In addition, they encounter discrimination and harassment allegations from third parties such as patients and vendors.  While it is convenient to put General Liability, Property and EPL all on one medical office policy, it is important that the EPL limits and coverage match the higher exposure!

Normally we do not recommend adding EPL coverage to a package policy.  However, we now have a product that takes the benefits of a stand-alone policy and combines it with a package.
We are pairing these package options with an industry leading EPL policy geared toward medical exposures:
Medical Providers
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  • Up to $5,000,000 in EPL limits
  • Retentions starting at $2,500 in most states
  • $100,000 Wage and Hour sublimit which includes indemnity and defense (when eligible)
  • $250,000 patient abuse and molestation defense cost sublimit
  • Defense outside the limit (if $500,000 limit or higher is chosen)
Our Office Package includes:
  • Business Personal Property up to $500,000 total insured value
  • General Liability limits $1,000,000 / $3,000,000
  • Hired and non-owned auto
  • Waiver of subrogation
  • Additional insured available
By writing one policy, it helps the medical office transfer the unique risk
that comes from operating their offices and treating their patients.
Employment Practices Liability Product features:
  • Employment Practices Liability including third party discrimination and third party harassment (available for most classes of business)
  • Full Prior Acts coverage for claim-free accounts in most states
  • $50,000 in privacy breach expense, workplace violence, identity theft and kidnapping coverage
  • Supplemental payments for attorney's fees and other costs, expenses or fees resulting from the investigation or defense of a proceeding before the state licensing board, local medical board or society or governmental regulatory body regarding allegations of patient molestation (available for most classes)
  • Front and back pay included in the definition of loss
  • Wrongful Act definition expanded to included coverage for the negligent violation of the Uniformed Services Employment and Reemployment Rights Act (USERRA)
  • Independent contractors are included in the definition of employee
Call us for more information:  800-333-7226
Tonya Hollederer Ed Chadwick Jackie Oddo
Tonya Hollederer, ext. 133
Team Leader
Ed Chadwick, ext. 261
Jackie Oddo, ext. 161
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1670 Whitehorse - Hamilton Square Road  |  Hamilton  |  NJ  |  08690
Hampton Ponds Plaza # 12 |  1029 North Road  |  Westfield  |  MA  |  01085
800.333.7226  |  |  Fax: 800.677.6779
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