Insurance Services

Specialized Solutions Exclusively for Doctors

Insurance Services

Insurance Review

We take the time to understand you, your practice and your risks and evaluate your current insurance program. We will look at all aspects of your practice to make sure you are covered correctly and make any necessary corrections or recommendations.


We understand that time is critical for healthcare providers. We have partnered with Willow Risk Advisors, to make information gathering easy and less time-consuming, thus freeing you up to focus on the practice of medicine. Our goal is for the insurance carrier to understand your practice as we advocate to get you the most competitive terms on your behalf.


The relationship officially begins once Willow Risk places your business with a carrier. The team will work tirelessly as your malpractice partner and constantly look to improve the terms of the program. We continuously help you improve your risk management programs.

Medical Coverages Offered

Medical Malpractice

A specialized type of professional liability insurance, medical malpractice insurance provides coverage to physicians and other medical professionals for liability arising from disputed services that result in a patient’s injury or death. A majority of American doctors face at least one medical malpractice lawsuit in the course of their career.

Tail Coverage

Tail Coverage is an “extended reporting endorsement” (ERP). When a claims-made policy expires, an ERP allows the insured physician to report and have coverage for a claim alleging professional negligence after the policy expires.


As a medical staffing agency, your business success depends on your ability to attract and retain a roster of quality physicians, nurses and medical assistants. Not only do medical staffing agencies face unique liability issues that require customized insurance coverage, they also need these liability issues to be resolved on the high-turnover, short-term-notice nature of the industry.

Allied health care professional and ancillary providers

Allied healthcare professional liability insurance provides coverage for non-physician healthcare professionals such as nurses, physician’ assistants, midwives, dentists, physical therapists, occupational therapists, medical technicians and others. We use the same risk management tools, when working these categories of providers.

Ambulatory Surgery Centers (ASC)

ASC’s are an important part of the healthcare system. They provide high-quality, low-cost outpatient care and can relieve patients who may otherwise have difficulty accessing services elsewhere. However, ASCS must maintain comprehensive insurance policies to protect against risks and liabilities associated with their operations.

Business Coverages

Cyber & Regulatory Insurance

This is one of the fastest growing exposures within a physician’s practice. Our job is to provide coverage for your practice and your patients against cyber breaches, social engineering and regulatory matters. Cyber insurance is not a one size fits all policy. The exposure comes from different variables and coverage in a physician practice need to address the many situations that may come about.

Directors & Officers (D&O) and Employment Practice Liability Insurance (EPLI)

We have a complete understanding of a physician’s practice and their unique needs. D&O and EPLI insurance, provide coverages to protect your practice against charges of discrimination, harassment, wrongful termination, retaliation and wage and hour claims.

General Liability & Workers Compensation Insurance

A physician’s practice has needs and exposures that greatly differ from a general office or any other business. Due to our experience within healthcare, we have carefully sought out insurance carriers that understand the typical and ever-changing healthcare exposures within a physician’s practice. You can rest assured while we provide your practice with comprehensive coverage to protect your practice, employees and patients.

Protection Coverages

Life Insurance

Physician’s think about life and death on a regular basis, but it is usually not for themselves. That is why having life insurance is so important. Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, pay living expenses and gives us piece of mind that our loved ones will be financially secure.

Disability Insurance

Most physicians have the same financial concerns: income protection, loan repayment, mortgage/rent, partnership buy-in, child’s education, retirement and other personal obligations. All of these obligations, requires your ability to work. If you cannot work, you should have disability insurance to replace what you have lost.

Key Person Insurance

Is a life insurance policy that a business takes out on its most valuable employee or employees. Key person insurance can help safeguard a physician practice if an imperative employee were to die.

Business Overhead Expense (BOE) Insurance

BOE insurance provides coverage designed to reimburse owners of small physicians practices, for normal and customary expenses necessary to maintain the business and keep it running, while the owner is disabled. Eligible expenses include: Mortgage/Rent, Utilities, Employee Wages, Substitute Salaries, Business Insurance Premiums, Dues/Subscriptions and Maintenance/Repairs.