PIA has been tailoring insurance programs for professional service and consulting risks since our opening in 1960. From acupuncturists and chiropractors, to dentists and family physicians we have a custom program to protect your professional office. What kind of coverage do you need?

As a bare minimum you should carry:

• General Liability to insure against third party negligence claims.
• Professional Liability to insure against Error's & Omissions in your advice or judgment, medical malpractice etc.
• Property to insure buildings, office equipment, stock, loss of income, and inventory.
• EDP to insure your computer hardware and software equipment.
• Transportation and Cargo to insure goods in transit away from your premises.
• Crime to insure against employee theft, and theft of monies and securities.
• Peak Season Endorsements to insure additional stock and product during heavy production periods.

In addition to the above types of coverage you may need:

• Workers Compensation which is required by law if you have any employees.
• Auto Insurance if your company owns any vehicles.
• Umbrella Liability Insurance for extra protection.
• Mechanical Breakdown Insurance to cover sudden and accidental loss due to electrical surges in your air conditioning, appliances, or electrical systems.

Other considerations that we highly recommend are:

• Employment Practices Liability to insure against employee suits arising from sexual harassment, wrongful termination, and discrimination.
• Fiduciary Liability to insure against employee suits arising from employee benefit plans.
• Director's & Officer's Liability to protect your company and board of directors from liability suits.
• If your organization has a website we also recommend Media Liability Insurance