Medical Offices

Physicians and Surgeons

You invest your time, money, and effort in developing your practice to maintain your property and encourage safety among your employees while providing quality service to your clients.

The Master Pac℠ family of products from Travelers Select Accounts provides a policy designed especially for Physicians and Surgeons Offices. You get the coverages you need and the service you deserve at a price you can afford.

Travelers also offers competitive coverages and rates for:

• Workers Compensation
• Automobile
• Umbrella Liability -Limits up to $25 million of total aggregate protection

The Travelers Physician and Surgeons Business Owners Package Policy

The Hartford Medical Office Brochure

Property Highlights

Property Coverage covers your Building and Business Personal Property for replacement cost with no coinsurance.

• Accounts Receivable:
  • Coverage is included up to $25,000 on and off premises. On premises limit may be increased.
  • Deductible does not apply.
• Business Income and Extra Expense:
  • Covers income that is lost due to suspended operations caused by damage at the described premises from a covered cause of loss. This is an optional coverage for Pac Plus℠.
• Office Pac℠
  • Automatically included and includes rental value.
  • Included on an Actual Loss Sustained basis for up to 12 consecutive months.
  • Coverage may also be written on a policy or location level basis for any dollar limit without the 12-month limitation.
• Office Pac Plus℠
  • Optional.
  • When selected, the coverage may be written with a policy or location level dollar limit. The dollar limit is based on 50 percent of annual receipts and may be modified.
• Business Personal Property Off Premises
  • Such as physicians equipment and instruments
  • Coverage for Business Personal Property Off Premises is provided, including while in transit or temporarily away from the scheduled premises and at a premises you do not own, lease or operate; or at any fair, trade show, or exhibition.
• Crime Coverage:
  • Employee Dishonesty and Forgery or Alteration coverage are both included up to $25,000 and limit may be increased.
  • Money and Securities are included within Business Personal Property. Theft of Money and Securities is limited to $25,000 for Office Pac Plus. Limit may be increased.
  • Theft Damage to Rented Property coverage is included within Business
  • Personal Property when tenant is contractually obligated to make repairs
• Electronic Data Processing Equipment, Data and Media
  • Coverage is included subject to the Business Personal Property limit, for a maximum of $50,000.
  • Limit may be increased
  • Coverage applies worldwide
  • Enhanced perils under this Coverage Extension include protection against loss by electrical current, mechanical breakdown, and power failure
  • Off premises (including transit) coverage, backup data off-premises coverage, and newly acquired equipment coverage is included up to $25,000.
• Equipment Breakdown:
  • Coverage for Equipment Breakdown is included within applicable limits.
  • Diagnostic equipment, power-generating equipment, and production equipment are limited to $100,000 for direct damage. Limit may be increased.
  • Service interruption of water, communication, or power supply services is covered from a covered breakdown (when Business Income and Extra Expense is covered).
• Fine Arts:
  • Up to $25,000.
  • Coverage applies anywhere in the coverage territory.
  • The breakage limitation does not apply.
  • Limited exclusions.
  • Special valuation terms.
  • Limit may be increased.
• Signs:
  • Coverage for Signs within 1,000 feet is included within the Building limit when building coverage is written or within Business Personal Property limit when tenant is contractually obligated.
• Valuable Papers and Records- such as patient files:
  • Coverage is included up to $25,000 on and off premises. On premises limit may be increased.
  • Includes the cost to research, replace or restore lost information
• General Liability Highlights
  • General Liability Coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations
  • General Liability Limits of $1 million per occurrence / $2 million aggregate are standard for Office Pac and Office Pac Plus with an option for higher limits of $2 million per occurrence / $4 million aggregate available for Office Pac.
• Advertising Injury and Personal Injury.
  • Medical Payments for $5,000 per person.
  • Damage to Premises Rented to You is included up to $300,000. Limit may be increased.
  • Blanket Contractual for all insured contracts.
  • Host liquor liability.
  • Limited worldwide coverage.
  • Products/Completed Operations coverage is included. (May be excluded on Office Pac Plus).
  • Web XTEND® endorsement is automatically provided for most Offices. Coverage includes personal injury, advertising injury and worldwide Web site injury protection (some restrictions apply).