The Hanover. Insurance for Podiatritic Physicians. Specialized coverage to keep your business on its feet.

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1 The Hanover Insurance for Podiatritic Physicians Specialized coverage to keep your business on its feet.

2 PROTECT YOUR BUSINESS AND YOURSELF WITH PROFESSIONAL LIABILITY INSURANCE. You ve devoted your practice to providing patients with the most comprehensive care you can deliver, keeping them comfortable, and minimizing disruption to their daily life. The Hanover has a similar goal minimizing disruption to your practice that can be caused by liability lawsuits. We re experts at providing comprehensive professional liability protection programs designed exclusively for smaller podiatric practices like yours. Take the right step. In today s litigious society, liability lawsuits, whether merited or frivolous, pose serious threats to your practice as well as your personal assets. That s why it s vital to make sure you have the right professional liability protection. Just as you choose the right course of action to get patients back on their feet quickly, choosing the right insurance protection can mean the difference in your business staying on its feet. The Hanover and your local agent have partnered to provide the right solution.

3 Comprehensive Protection just for Podiatric Physicians. Developed specifically for podiatritic physicians, Hanover s Podiatric Physicians Program offers comprehensive coverage that will meet all of your practice s professional liability insurance needs. The program is designed, underwritten, and serviced by some of the best, most experienced talent in the insurance industry. It can be customized with many variables specific to your practice, your location, claims history, and more. Plus, it s flexible so it can grow and evolve as your practice does, providing you protection against current potential loss and emerging exposures. Coverage from head to toe In addition to Professional Liability protection, we offer podiatric practices a total insurance solution: Business Owner s Policy (covers Property, General Liability, Business Income) Medical Offices Broadening Endorsement (provides additional coverage unique to podiatritic providers) Commercial Auto Workers Compensation Commercial Umbrella Employment Practices Liability And more

4 We ve walked many miles in your shoes. Because podiatrists face serious exposures every day, you need an experienced insurance team you can count on. Your local Hanover Agent, like us at Hanover, understands the unique risks relevant to your practice. As a team, we have decades of experience working directly with podiatric physicians, so we can help customize programs that provide the right coverage at a competitive price. Plus, The Hanover is an A rated carrier with rock-solid stability and over 150 years of superior performance. Our vast resources will be behind you every step of the way. There when you need us. And before you need us. Our specialized Risk Management team is comprised of experts who can help detect potential risk factors in your practice that an untrained eye might never notice. Identifying and preventing risks helps your business avoid problems in the first place and keeps premiums as low as possible. If you do have a claim, you ll be glad to know our claims professionals are also experts dedicated to resolving issues quickly, fairly, and with minimum hassle. Coverage Administrative Defense Endorsement Allegations of Sexual Misconduct Coverage Business Office Package Current Claims Made Retroactive Date Defense Costs are Outside of the Policy Limits Duty to Defend Limits of Liability highlights Pays defense costs and administrative expenses arising out of an administrative hearing, regardless if the basis for the hearing is groundless, false or fraudulent. Various sub-limits are available. Provides defense for the Insured for civil allegations of sexual misconduct. General Liability Property and other coverages to meet your practice needs. Prior acts coverage is available on claims-made policies. Prior acts coverage provides protection for acts that occurred prior to the inception date of your policy if you did not know or could not have reasonably foreseen that such acts would be the basis of a claim or suit. Provides coverage for defense and settlements or judgments. Costs for defense are in addition to the limits of insurance. Defense costs will not dilute the policy limits to pay judgments, settlements or awards. Defense is provided against any covered suit brought against the Insured, even if the suit is groundless or fraudulent. Multiple limit options ranging from $100,000 each incident, $300,000 aggregate up to $2,000,000 each incident, $6,000,000 aggregate.

5 Loss of Earnings Coverage Notice of Incident Endorsement highlights Pays up to $250 per day with no aggregate limit, if you are away from your practice to help defend a suit. Coverage available on a notice of incident basis. Policy/Credits Policy Coverage Follows You Everywhere Policy Form Offers lower risk with credits for: new practitioners part-time practitioners non-surgical practitioners board certified practitioners risk management courses practice patterns claims free practice Protects you at all times when you are providing professional podiatritic physician services in or outside your office. Claims-made and occurrence forms available. Retirement Benefit Retire at 55 and receive a free extended reporting period endorsement. You must have been a Policyholder for five years prior to retirement with mature claims-made coverage. Why Hanover? Comprehensive coverages exclusively for your practice Extensive healthcare industry expertise and knowledge base Experienced decision makers Competitive rates World-class service with fast response times Rapid claims resolution Valuable Risk Management services Highly-trained agents who care about you and your practice Financial strength ( Excellent A.M. Best rating)

6 Let s Take The First Step Today. Nobody knows more about how to meet the special risks your practice faces than The Hanover s Professional Liability team, and your local Hanover Agent. Let s start a review of your needs by giving us a call today. This material offers a brief description of coverages and programs and is provided for informational purposes only. Actual coverages may vary by state. Options and credits are not available in all states. For exact terms, conditions, exclusions, and limitations, please contact The Hanover branch office nearest to you. Policies are underwritten by one or more of the following: Allmerica Financial Alliance Insurance Company, Allmerica Financial Benefit Insurance Company, Citizens Insurance Company of America, Citizens Insurance Company of Illinois, Citizens Insurance Company of the Midwest, Citizens Insurance Company of Ohio, CampMed Casualty and Indemnity Company, Inc. of Maryland, The Hanover Insurance Company, The Hanover New Jersey Insurance Company, and/or Massachusetts Bay Insurance Company. Florida: Policies in the state of Florida are underwritten by The Hanover Insurance Company, Massachusetts Bay Insurance Company, The Hanover American Insurance Company, and/or Allmerica Financial Benefit Insurance Company. Avenues, The Hanover Insurance Group with Eagle icon, and Our policy is performance are trademarks of The Hanover Insurance Group, Inc. All other trademarks are the property of their respective owners. The Hanover Insurance Company 440 Lincoln Street, Worcester, MA Citizens Insurance Company of America 645 West Grand River Avenue, Howell, MI (1/11) LC