Physician Protection Program | Burns & Wilcox

Physician Protection Program

The Burns & Wilcox Brokerage proprietary Billing Errors and Omission program, through Lloyd’s of London, provides coverage for physicians and medical groups for Billing Audits and Investigations, Administrative Disciplinary Proceeding and recently introduced Network Security and Privacy.

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Coverage Highlights:

  • Dedicated Cyber Liability data breach vendor team
  • Civil fines and penalties coverage
  • Legal Defense and audit costs
  • Limits available from $250,000 to $5 million
  • Coverage applies to “Qui-Tam” claims
  • Retroactive coverage available
  • Ability to replace – or sit excess of – a medical malpractice policy provided sub-limit

Targeted Classes:

  • Solo physician practices
  • Multi-physician practices
  • Medical groups

Billing Fraud and Abuse Investigations:

  • Defense costs, fines, or penalties arising from actual or alleged billing errors
  • Allegations made by governmental agencies, Whistle blowers, or contractors working on behalf of the government and commercial payers

Medical Regulatory Violations:

  • Defense costs, fines, or penalties arising from HIPAA, EMTALA & STARK violations
  • Extends to medical board, hospital or payer audit of insured’s medical practice

Healthcare Cyber Liability:

  • Loss or misuse of non-public personally identifiable information
    • Information Security and Privacy, including data breach notification, credit monitoring
    • Regulatory defense and penalties
    • Event support expenses
    • Business Interruption & data recovery
    • Defense and settlement of claims alleging breach of privacy, unauthorized access and failure of network security
    • Pay the costs and fines associated with a claim

Burns & Wilcox Brokerage will wholesale broker non-eligible risks to the appropriate carriers, such as hospitals, LTC, pharmaceuticals, health plans, or DME providers.

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