Hard Facts About Medical Malpractice

In the insurance industry, certain classes of physicians are often considered difficult to insure.  At Binney, Chase & Van Horne we understand that physicians, surgeons and anesthesiologists are real people with real needs for financial protection.  A physician might fall outside of the preferred coverage "box" for a number of reasons, which include:

• A practice that involves new leading edge therapies.
• A practice that is considered high risk for claims.
• Having a history of claims frequently and/or severity.
• First time practicing in the United States.
• Having been reprimanded and had disciplinary action taken
• Having a practice in more than one state.
• Problems with chemical dependency.
• Having a prior carrier become insolvent or withdraw from the market
• Receiving 50-100% increase in renewal premiums.

At Binney, Chase & Van Horne we are dedicated professionals ready to meet your medical malpractice insurance needs. We also perform a complementary coverage review; a "second opinion" of your current protection. We are often able to improve your coverage, lower your premiums or both. Binney, Chase & Van Horne is a full service agency/brokerage and can assist you with all of your other professional and personal insurance needs as well; one brokerage firm, one personal contact for you. No hassle.  Call Daryl Newsom our Medical Malpractice Program manager  directly at 714-692-1571.

Professional liability
Binney, Chase & Van Horne maintains a broad range of companies and coverage forms to protect our medical clients' financial security from medical malpractice suits and allegations. This coverage protects your future.  Don't trust this service to a broker who will not dedicate their time to your interests.

General liability
Binney, Chase & Van Horne can tailor a general liability protection package to your specific needs. General liability will respond to bodily injury and property damage claims arising out of the use and maintenance of your corporate office.

Business property coverage
Binney, Chase & Van Horne will bundle these coverages with your general liability package. These coverages include office furniture and fixtures, medical equipment, reproduction of valuable papers, lost income due to a covered claim, coverage for valuable equipment in transit, as well as many other coverages specifically suited for the medical office.

Workers Compensation
Workers compensation is a statutorily required benefit for any employer. Binney, Chase & Van Horne has many markets to choose from to help protect you and your employees, while managing your costs.

Employee benefits
Binney, Chase & Van Horne has many years experience providing benefits and has access to the entire benefits marketplace. This allows us to provide the best coverages from the best providers at an affordable rate.  Don't accept an "off the shelf" approach to your benefits needs.  Tailoring these coverages will give you greater benefits at a lower cost. Some of the benefits we provide are group health and dental, group disability, life, vision, 401k, section 125 plans, long term care and others.

Personal insurance needs
Our physicians have personal insurance needs. Why should you have to seek this protection from a different broker.  Binney, Chase & Van Horne has a fully staffed personal lines department ready to address all of your personal insurance requirements: Automobile, homeowners, secondary homes, motor home, motorcycle, life and other insurance lines.