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Insurance for physicians and the healthcare industry of Fresno, CA

Healthcare organizations care for patients every day. Kerr Insurance in Fresno, CA is a specialized insurance broker who can help providers secure coverage for the most complex of healthcare industry risks.

What should organizations consider when choosing healthcare industry insurance protection?
Whether a healthcare organization is looking for protection for their systems, property or people, Kerr Insurance Brokers specialized solutions can help. From cyber risk coverage to hazardous waste, executive and professional liability and more, Kerr Insurance Brokers protects those who care for our communities.

Healthcare Industry Insurance Coverage Considerations

  • Cyber risk coverage that comes with a suite of tools to help prevent and prepare for specific risks.

  • Bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with a covered location on a claims-made basis.

  • Protection from potential claims involving errors, omissions, negligence, breach of duty and other wrongful acts.

Learn more about Healthcare Industry Insurance

  • Physicians/Surgeons (Standard & Non-Standard))    

  • Medical Directors

  • Accupucturists    

  • Midwives

  • Chiropractors    

  • Nutritionists

  • CRNA’s    

  • Nurse Practitioners

  • Dentists  

  • Opticians

  • Locum Tenes (Physicians Staffing)    

  • Physicians Assistants


What kind of insurance does my medical practice need?

Business Owners Policy (BOP) – Combines multiple insurance coverage into one comprehensive and cost-effective package. A business owners policy includes two primary type of insurance coverage:

a. Property – Provides insurance coverage for your business’s physical structure and its contents, including inventory, office equipment, furniture and computers. Also includes business interruption insurance in the event you could not conduct business as usual.

b. Liability – Covers your business against claims and related expenses resulting from allegations of negligence.

Workers Compensation – State of California mandates all employers to provide Workers Compensation Insurance to employees. Workers Compensation offers benefits and payments to employees who suffer work-related injuries and offers compensation for;

a. Economic loss
b. Medical bills
c. General damages for pain and suffering
d. Death benefits to family members

Commercial Auto – Business owners policy or personal auto insurance does not cover commercial auto, separate policy is required for cars, trucks and vans used by you or your employees for business purposes including company-owned vehicles and employees using their own vehicles.


Business Property – Protects your business property and its operations from damage caused by natural disaster or crime. Business property insurance consists of two categories:
a. Property-covers your business’s building and business personal property
b. Business interruption-covers expenses and lost income


Billing Errors & Omissions – Extends comprehensive, cost-effective coverage for Medicare/Medicaid Billing Errors and Omissions. Coverage includes legal and defense and audit costs and claims made by Federal, State, or Local Governments or sought by Commercial Payors.

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