Specialty Insurance Coverage
Healthcare and Social Service organizations offer a variety of medical skills, personal care and community outreach. They need special insurance protection with policies that cover their business risks. Professional Liability with insurance for covered services that match the work performed by employees in important. Broad policies with abuse and discrimination coverage are desirable.
Hillcrest Agency has handled the General Liability, Professional Liability and Workers Compensation for these types of companies for many years, and has developed excellent relationships with insurance brokers who specialize in this coverage. Our clients rely on us to place their insurance with companies that understand their unique risks.
This coverage protects counselors when giving advice or medical professionals who may be negligent in providing services to clients. Monetary damages and defense costs are paid for a Professional Liability claim.
Incidents involving Bodily Injury and Property Damage will be handled under this type of insurance coverage. Suits for unintentional harm to individuals often have an overlapping of Professional Liability coverage, so it is necessary to have both General and Professional Liability.
Employees have accidents while on the job and when moving or lifting patients. Workers should be trained to understand how to prevent injuries and minimize risk to themselves and others.
Medical professionals own buildings, equipment, and business property that must be insured. Replacement cost coverage for their property is needed to make sure they have full payment after a claim.
Commercial Auto Liability with high limits of coverage will protect the business owner for accidents involving owned vehicles and employees driving their own vehicles for business. Having adequate limits of coverage to insure against lawsuits when transporting clients is of particular concern.
Employment Practices Liability
Employee claims for harassment, wrongful termination and discrimination are insured under Employee Practices Liability. Procedures and training are necessary to make sure the employee understands company policies and their own responsibilities.
Protection of personal client and employee data is required by law. Cyber Liability will pay for notification costs, credit monitoring, forensics and legal fees should there be a systems breach or an unfortunate employee mistake. Business interruption can also be covered for the time the computer systems are down and business is lost.
Let's Save You Time
Hillcrest agents streamline the paperwork, provide fast turnaround for service requests and coordinate claims so our clients can spend time growing their business.
1201 Boston Post Rd.
Westbrook, CT 06498
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28 Main Street
Essex, CT 06426