Employee Benefits and Liability

Consider this solution…
For this risk…

Employment-related lawsuits continue to increase in the United States. To meet this threat, Physicians Insurance offers Employment Practices Liability (EPL) endorsement coverage to meet our members’ human resource needs.

Our default Employment Practices Liability (EPLI) endorsement includes:

  • Up to $100,000 per insured event for the defense and costs of employment-related claims
  • A low, $2,500 deductible
  • Third-party coverage
  • Members-only access to online HR Risk Management tools
  • Business and Legal Resources (BLR®), which provide useful updates and comparisons on federal and state laws, compliance guides, forms, posters, job descriptions, and more
  • Legal consultation for employment practices issues

Our enhanced EPLI endorsement for employment-related lawsuits includes the following features:

  • Higher Limits: choose from $300k/$300k; $500k/$500k; $1M/$1M; or $2M/$4M
  • Additional defense limit available
  • No deductible
  • Third-party coverage
  • Members-only access to online HR Risk Management tools provided by BLR. Offerings include useful updates and comparisons on federal and state laws, compliance guides, forms, posters, job descriptions, and more
  • Legal consultation for employment practices issues
  • Subject to underwriting. A waiting period may apply.

To request a quote, please fill out the below application and route to agency@phyins.com

EPLI/D&O Application

ERISA Bonds fulfill a federal requirement that you have coverage on at least 10% of the funds in an employee benefit plan. 

  • ERISA Bonds are issued on a continuous basis until cancelled.
  • Billing on 1-year or 3-year prepaid basis. 
  • Available in amounts of $5,000 to $500,000.
  • Inflation guard available for 10% additional premium.

To request a quote, please email agency@phyins.com

Provides money to you/employee, family, business, or debtors when faced with disability or death.

Disability Insurance

  • Discounts available to WSMA members
  • Group policies available
  • Individual
    • Retirement Completion
    • Loan Obligation

Life Insurance

  • Term Life
  • Whole Life
  • Universal Life
  • Variable Life
  • Annuities
  • Buy/Sell Life Insurance

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Type of plan
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Supplemental Benefits

Home health care, assisted living, nursing home care. 

  • Discounts available to WSMA member
  • Individual or Group Policies

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Nursing Home Coverage

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Riders

Home Health Care

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Health care costs are skyrocketing at alarming rates, leaving health care providers and clinics wondering how they will manage to protect themselves, their families, and their employees.

Physicians Insurance Agency can help connect physicians, their families, and staff to health insurance services. We can help you find top medical and dental insurance carriers and help you select the appropriate coverage for your specific situation and needs.
 

  • Medical, Dental, and Vision
  • Coverage for self, family, and employees
  • We provide education and assistance with your claims or service issues

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Medical care and financial compensation for injured employees. Available in non-monopolistic states. In ND, OH, WA, and WY, stop gap coverage is included on the business owners or commercial liability policy.

To request a quote, please email agency@phyins.com