Commercial General Liability (CGL)

Commercial general liability coverage insures a business against accidents and injury that might happen on its premises, as well as exposures related to its products. It will protect you from payments for bodily injury or property damage to a third party. As well as medical expenses accruing to the underlying incident, the cost of defending lawsuits including investigations and settlements, and for any bonds or judgments required during an appeal procedure. No matter how diligently you remove all possible hazards from your business, you could be sued successfully for accidents resulting from something as simple as the carelessness of a customer. Coverage extends to you, your spouse, partners, and employees only in the course of your business.

To inquire on what we can do for your CGL policy, please contact us through our on-line contact form.

Hospital Professional Liability (HPL)

In today's brutally competitive market, managing a successful health care operation is not easy. The last thing you need is to be worried about whether your professional liability coverage is adequate. That is where our agency and PIC WISCONSIN can help. PIC's risk financing unit works closely with you to analyze your risk and develop a cost-effective risk management program.

With PIC WISCONSIN, you select from a wide variety of coverage and service options:

• Comprehensive Risk Analysis — including loss forecasting and evaluation, or risk financing alternatives.
• Risk Financing Programs — develop to fit your needs, from guaranteed cost to cash-flow sensitive programs.
• Clinical Loss Control Programs — designed and implemented to reduce your risk exposure.
• Claims Management Services — including loss analysis and third party administration.

To learn more, contact us through our on-line contact form.

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Risk Management

PIC believes in being proactive! PIC is constantly working to expand and fine-tune the role of risk management. As a result, PIC's programs and risk management services go well beyond what most carriers consider adequate. PIC's Risk Management Consultants are committed to developing and implementing innovative risk management programs for their clients. These programs help to prevent claims and improve patient satisfaction in an ever-changing health care industry.

PIC's Risk Management benefits include:

• Access to experts in all major areas of risk management
• Risk Management Consultants who are committed to continuing education
• Telephone consulting
• Risk management publications. As part of PIC's commitment to client education, they provide valuable newsletters.
• Access to PIC WISCONSIN's extensive risk management resources

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Umbrella

Umbrella liability coverage is written to provide excess limits of liability for your business. When a claim or loss exceeds the limits of the underlying coverages, the umbrella liability policy covers or pays the excess. PIC WISCONSIN'S Umbrella policy offers added coverage above the limits of your general liability policy, auto policy, and workers compensation policy.

Please contact us through our on-line contact form to learn more about any of these coverages though Wisconsin Medical Society Insurance & Financial Services, Inc. and PIC WISCONSIN.

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Who is PIC WISCONSIN?

The Wisconsin Medical Society founded PIC WISCONSIN nearly two decades ago in an effort to improve the availability of insurance and to stabilize premium costs. Today, thousands of healthcare professionals and facilities benefit from the visionary efforts of PIC's founding Directors. And every day, that tradition of leading through ingenuity continues to provide strength and security to PIC policyholders.

PIC WISCONSIN has increased its strength, combining forces with the ProAssurance Group—the fourth largest writer of professional liability insurance in the nation.

For the insured, this means unparalleled support. PIC's timely service will continue to help you through difficult times. And the substantial resources ensure that your claim will have the attention of top-quality professionals who listen to you, keep you informed, and resolve your claim in the best manner possible.

To learn more, contact us through our on-line contact form.