Main navigation

Practice Liability

Directors & Officers Insurance

This type of coverage protects managers of the corporation against personal liability to investors, employees, vendors, participating physicians and other provider organizations. The key D & O exposure areas include anti-competitive acts, shareholder liability, and mismanagement.

Errors & Omissions Liability

Errors and omissions coverage addresses the largest area of exposure claims arising from the day-to-day management of health care provided to members. E & O insurance covers the exposure areas that include vicarious liability, credentialling and peer review, provider selection and utilization review.

Billing Errors & Omissions

Billing E&O responds to claims alleging errors regarding duplicate billing, billing for services not rendered or for unnecessary services, upcoding, billing for services that do not meet the standard of care, and billing for supervision of residents.


If an organization is perceived as trying to thwart competition, it may be charged with violating various anti-trust laws. For example, a merger or acquisition between two companies resulting in an organization that would dominate a particular market could result in allegations of unlawful restraint of trade. Other violations include monopolies, price fixing and price discrimination, group boycotts, and exclusive dealing.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) protects against allegations of employment discrimination, such as acts based on gender, race, minority states, age or handicap, as well as wrongful termination. EPLI coverage provides payments for defense costs, litigation and settlements.

Cyber Liability/Data Breach Insurance

Organizations can and will be held liable in the case of a data breach. Data Breach Insurance will protect you.

  • Data Breach Claim Coverage – for claims from outside parties related to privacy issues and technology security breaches, as well as regulatory action against the practice
  • Data Breach Containment – covers costs of notification, crisis management expenses, credit monitoring costs, costs to investigate existence of a breach
  • Technology Extortion – expenses involved with an extortion attempt, "hacker" case d. Data Restoration – cost to restore, recover or replicate data that is damaged or unrecoverable.

For more information, call 800-429-6513 or email us.

Contact PIAM

  • Telephone Numbers
781-434-7525 Insurance All Departments
781-434-7398 Medigap, MMS Member Benefits, Health, Financial Services, and Long-Term Care
  • Fax Number
  • 781-434-6929