Medical Office Insurance in South Coast MA & RI

HIG is the go-to insurance source for medical and health care practices throughout the South Coast of MA & RI

At HIG, we’ve been partnering with medical and health care professionals to cover their specialized insurance needs for nearly a century, which means that, yes, one or two of us still remember when medical practitioners made home-visits to patients using only the tools that fit easily into their little black bag.

Since HIG opened our doors, we’ve witnessed a dramatic evolution of the industry. Over the past 10 decades, there have been tremendous advancements in technology and R&D that have brought us antibiotics and other life-saving drugs, X-rays, MRIs and CAT Scans, artificial and transplanted organs and joints, and many surgical devices and techniques that can keep a body functioning. It’s no wonder that the average adult lifespan has increased almost 30 years over the time period HIG has been doing business!

As a result of this incredible progress, medical and health care practices have far more to protect than ever before, including their office’s physical structure, the integrity of their patient’s electronic medical records and private information, and expensive, industry-specific equipment. With our long-term experience in, and knowledge of, your unique industry, the HIG team has become the go-to advisor for health care professionals with insurance and risk management needs across the South Coast of Massachusetts and Rhode Island, including:

In collaboration with the exceptional insurance carriers with whom we have built longstanding relationships, we have designed quality, affordable and tailored insurance solutions for these types of businesses and more.

HIG helps you put together the right medical office insurance solution for your special practice

As a small to medium-sized business owner, we know you don’t need – or want – the expense or the hassle of buying separate policies for all your insurance and risk management needs. That’s why the HIG team works with each medical and health care office, practice, clinic, and provider on an individual and personal basis to customize an insurance package that puts your most important policies all under one endorsement, including these six key insurance coverages:

While your HIG advisor will guide you on which common insurance and risk management solutions make the most sense for your medical office, based on your specific type of practice, our team may also recommend some of these additional options and endorsements:

1. Accounts Receivable covers the reconstruction of your AR records and reimbursement of uncollectible money from your customers should you experience a covered loss.
2. Commercial Auto covers you and your employees who use personal or business-owned vehicles to run errands for the business, travel between work locations, or visit patients.
3. Commercial Crime is an all-encompassing policy for several different types of crime that could be committed at your workplace.
4. Commercial Umbrella provides insurance limits above and beyond your other liability policies.
5. Equipment Breakdown Coverage protects against equipment breakdowns caused by power surges, motor burnout, boiler malfunction and operator error.
6. Professional Liability covers claims of negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice.
7. Utility Services reimburses you for your lost income during an interruption of electrical or water supply services.
8. Workers’ Compensation is mandatory insurance for businesses in Massachusetts and Rhode Island, and covers the costs of your employees’ work-related injuries or illnesses.

When you partner with HIG for your medical office and health care practice insurance solutions, you can be sure that your insurance coverage will always include everything that a basic business owners insurance policy does, along with specialized solutions for your unique needs.

HIG Will Give Your Medical Office the Same Care and Security You Give Your Patients

Every HIG client relationship starts with a detailed review of your company by one of our professional advisors, which includes evaluating your current insurance policies and assessing your specific areas of risk. Following that thorough process, our team will share our findings and recommendations, including how to make sure any gaps in your insurance plan are covered in the future. Through our longstanding partnerships with the highest quality and competitively priced carriers, we will provide you with access to a broad variety of medical office insurance products to meet your needs and your budget.

Contact us today to have an HIG insurance specialist provide you with a complimentary review of your current medical office insurance policies and an assessment of your risks. We will gladly answer all your questions and concerns with the straightforward answers and advice that have been appreciated by medical and health care practitioners for generations.