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Free Cyber Hotline - PL Risk Advisors, Inc. provides a free hotline to all our clients whether you purchase Cyber coverage or not, connecting you with data breach coach, Mullen Coughlin LLC, in the event of a cyber incident. Click to learn more.


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Here to Help

Matt Culkin
Professional Liabilty Broker
201-847-9165 ext. 116

Mark Bradway
Professional Liability Broker
201-847-9165 ext. 136

Primary & Excess E&O, GL, D&O, EPLI and Cyber Liability Solutions for:

  • Dialysis Centers
  • Hospice
  • Pharmacies
  • Home Health
  • Inpatient Centers
  • Outpatient Centers
  • Rehab
  • Telemedicine

Coverage Customized for Your Clients, Options Including:
  • Abuse/Misconduct Full Limits
  • Defense Outside the Limit
  • Claims Expenses in Addition to the Limits
  • Solutions for Employed or Contracted Physicians, Surgeons, and Dentists
  • Hired/Non-Owned Auto Available
  • First Dollar Defense
  • Regulatory/Licensing Defense
  • Hired & Non-Owned Auto
Cyber Liability Tailored to the Needs of Your Healthcare Clients:
  • Privacy & Cyber Liability
  • 1st Party Breach Response Costs
  • Data/Hardware Restoration
  • Credit Restoration Expenses
  • HIPPA Defense & Fines
  • Contingent Bodily Injury
  • Media Liability
  • Cyber Crime
  • No Ded for Breach Response Coach

Coverage can be provided for:
  • Over-billing/RAC Audit Defense
  • Crisis Management Reimbursement
  • Evacuation Expense Reimbursement

Why You Should Partner With Us
  • Fast Turnaround
  • Solutions for Claims History and Hard-To-Place Risk
  • Wide Market Presence
  • Coverage Comparisons Available
  • Over 50 Years of Combined Experience

Christine DeFelice
Professional Liability Broker
201-847-9165 ext. 127

Javier Gonzalez
Partner/EVP of Sales
201-847-9165 ext. 103

  • Medical Transportation
  • Radiology/Imaging Centers
  • Drug Testing
  • Mental Health
  • Laboratories
  • Staffing/Nurse Registries
  • Surgery Centers
  • Urgent Care Centers

Claims Examples:
Personal Care Aides

An elderly client is mobile and mentally capable, but still receives daily visits from a personal care aide for companionship and assistance. During one of her visits, the aide broke an expensive antique lamp on the side table while tidying up. The client became very upset and attempted to recover damages for her irreplaceable property.

Private Home Skilled Nursing

A developmentally disabled adult lives with his family, but requires round the clock assistance with activities of daily living. He is not able to communicate verbally and was not able to alert his nurse when his bath water was much too hot. The resulting burns required medical attention and aftercare and his family sued the nurse and her agency alleging negligence.

Medical Testing Lab

Test results for two patients are swapped due to human error prior to communication to their physicians. The technician and the lab are named in a lawsuit after a delayed diagnosis of one of the patients led to a delay of treatment and emotional and physical harm.

Anti-Competitive/Business Interference Claim (From Doctor or Competitor)

A physician opened his own practice in a small town to provide much needed cardiology coverage at the hospital-run medical group. After the hospital encouraged and agreed to support the expansion of the physician’s practice, he invested substantial sums in buying equipment, property and hiring other cardiologists. Shortly after, the hospital- run medical group went behind his back, took his cardiologists, drastically cut his on-call schedule and directed the coverage to its newly established hospital-run cardiologist group. The physician then filed suit for interference with prospective economic advantage, intentional interference with contractual relations, as well as violations of antitrust and unfair business practices. Defense and settlement cost $1.8 million.

Laser Treatment Center

A laser treatment center provided services to a plaintiff for damaged skin. During treatment by an employee of the organization, the plaintiff suffered severe first degree burns to her face and neck that resulted in permanent scarring. The claim was settled for $500,000.


A DVD containing personal information was mailed but never made it to its destination. The personal information was of pharmacy patients, including their names and in some instances Social Security numbers, healthcare and driver’s license numbers, as well as prescription information. As a result, the pharmacy notified 11,440 patients in seven states by mail. In addition to notifying those patients, state and federal officials also had to be informed of the breach.

Cyber Liability Breach

A third-party provider of electronic medical records services to healthcare providers experienced a server breach. This impacted approximately 4 million people and exposed medical records and information in three primary categories: (1) clinical, which includes diagnostic information, lab results, medications and other treatment information; (2) demographic, which includes name, social security number, address/zip code and date of birth; and (3) financial, which is primarily comprised of claim information. Vendors were retained on the company’s behalf for forensics, legal, public relations, credit monitoring and call center services, and notifications were issued via U.S. Mail and substitute notice to the potentially impacted individuals. Counsel was retained to defend against putative class actions, as well as regulatory inquiries initiated by the FTC, OCR/HHS and a number of state Attorneys General. Total payout was USD 10 million.