Business Owners Policy

Business Owners Policy  

OVERVIEW

This policy provides property and liability protection (non-professional) for your practice. Coverage includes replacement cost for buildings and business personal property, theft, computer equipment/software, loss of business income and extra expense, tenant's legal liability and umbrella limits. Most landlords require this coverage.

By providing access to a few different companies, we are able to provide you the policy that best meets the needs of your practice.
Enrollment

To request a free, customized quote tailored to your firm's specific property and liability needs, complete our no-obligation application form today.

Call 1-800-842-3761 Today!

Tell Me More

The Business Owners Policy includes coverages such as:

  • Replacement cost for buildings and business personal property
  • Automatic inflation protection
  • Building ordinance/law
  • Automatic seasonal increase
  • Glass – interior/exterior
  • Signs – interior/exterior
  • Theft
  • Money and securities
  • Accounts receivable
  • Valuable papers
  • Computer equipment/software
  • Off-premises (including Transit)
  • Income support properties
  • Loss of business income and extra expense
  • Tenants legal liability –
  • High limit business liability protection
  • Medical payments
  • Umbrella
  • Business Owners' Extension Endorsement – provides increased limits for additional coverages (computer equipment, accounts receivable, etc.)
Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 

 Address
Mercer Health & Benefits
Insurance Services LLC
633 West 5th Street, Suite 1200
Los Angeles, CA 90071
 Phone
1-800-842-3761
 Hours
 M-F 8a-5p PST
 Fax
213-346-5946
 Email
cmacounty.insurance.service@mercer.com
  • What is Professional Liability insurance?

    Professional Liability Insurance protects you against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. Remember, legal defense and settlement costs are paid in addition to your limits of liability.
  • Doesn’t my employer provide me with Professional Liability coverage?

    While many employers (not all) will provide some professional liability coverage, chances are that coverage may have some serious gaps, including: 

    • Policy limits may not be high enough to protect you and all of your co-workers.
    • You may not be provided with coverage for lost wage reimbursement, licensing board hearing reimbursement, and defense costs.
    • You may not be covered outside of the workplace, such as when you engage in volunteer or part-time work.
    • You may not be covered for suits filed after you have terminated your employment.
  • What would having a personal Professional Liability Insurance Plan give me?

    In the event of a lawsuit, your own Professional Liability Insurance policy would: 

    • Provide you with your own attorney
    • Pay all reasonable costs incurred in the defense or investigation of a covered claim
    • Pay you for lost wages
    • Provide reimbursement if licensing board issues were involved
    • Pay court costs and settlements in addition to the limits of liability
  • Why should I consider an individual Professional Liability Insurance Plan from Mercer Consumer?

    All the plans offered by Mercer Consumer are tailored specifically for each profession to meet your unique needs.

    The Plan is administered by Mercer Consumer and is underwritten by Liberty Insurance Underwriters, Inc. Mercer Consumer has handled the insurance needs of individual healthcare professionals, schools, universities and associations for over 55 years. As a trusted name in the Professional Liability marketplace, Mercer Consumer has earned a reputation defined by superior products and quality service.
  • How do I apply?

    Applying is just a click away! Get a no-obligation quote and apply for binding coverage instantly at Proliability.com.

    If you prefer not to apply online, you may also request an application to be sent to your home or apply for coverage by phone. Call 1-800-503-9230 to speak to your professional liability representative today.
  • Am I eligible to purchase my medical professional liability with installments?

    Illinois Medical Professional Liability Law PA94-677, Senate Bill 475, requires insurers to implement a quarterly premium payment installment plan as prescribed by the Secretary of the Illinois Department of Financial and Professional Regulation (IDFPR). 

    If you practice in the state of Illinois and your annual medical professional liability premium is above $500, please visit www.proliability.com/illinstall for information regarding installment payment options.

    Underwritten by Liberty Insurance Underwriters Inc.,
    a member company of Liberty Mutual Insurance.
    55 Water Street
    New York, New York 10041 
    May not be available in all states. Pending underwriter approval.
Forms

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.