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Products & Services

Professional Liability Agency and PLA Brokerage Services represents carriers demonstrating financial strength, extensive risk control capabilities, aggressive claims management and solid industry standings in PA, NJ, NY and MD.

Products available:

Medical Malpractice – protects the individual physician or medical facility against loss from a claim resulting from an act, error or omission in rendering professional services.

Commercial Package – allows small to mid-sized Healthcare Facilities the ability to bundle separate insurance lines and buy them as one product. The policy is menu-driven and allows a facility to secure the multiple lines of coverage that best fit its insurance needs.

Commercial General Liability – protects the assets of a practice against suits alleging property damage or personal injury. Most common type of loss is a “slip &fall” incident.

Commercial Auto – provides liability and physical damage coverage for vehicles used in the course of doing business.

Commercial Property – provides protection for your commercial building and/or office contents.

Worker’s Compensation – provides benefits for employees injured on the job as well as corporate liability protection for suits by employees against their employer.

Directors & Officers – designed to protect the personal assets of the directors and officers. Also protects the corporate entity from catastrophic financial loss.

Employment Practices – provides protection against lawsuits alleging “wrongful acts” in the employment law areas of discrimination, sexual harassment, breach of contract and invasion of privacy.

Fiduciary – coverage for your responsibility for investing employee retirement funds. This Provides legal liability protection against claims that allege failure to prudently act within the guidelines of the Pension Reform Act of 1974 (ERISA).

Crime – (a.k.a. Fidelity Insurance) protects you from loss of money, securities and inventory as a result of employee embezzlement or dishonesty, theft, forgery and/or other criminal acts.

Cyber Liability – provides coverage for data breaches including notification.

Commercial Umbrella – provides an added layer of liability protection above and beyond the Commercial General Liability, Employer’s Liability and Commercial Automobile limits.

Ask about discounts available for claims experience, new to practice, risk management programs and part-time coverage.

 

Types of Coverage

Claims-Made Coverage – provides coverage for incidents that both occur and are reported while the policy is in force. When a claims-made policy is terminated, claims arising from incidents that occurred during the policy period but reported after the policy is terminated are not covered unless a reporting endorsement/tail or prior acts coverage is secured.

Occurrence Coverage – provides coverage for incidents that occur during the policy period regardless of the report date. No reporting endorsement is required upon policy cancellation.