FAQs

The DRE does not mandate it for all licensees the way some states do, but brokers, franchises, and lenders frequently require it. Confirm what applies to your setup. ...

Crime and cyber coverage often respond to theft or funds-transfer fraud affecting an IOLTA or trust account, depending on the policy terms.

In California, workers’ comp is generally required once you have any employees, even part-time staff.

Typically no. Claims tied to your legal services usually fall under lawyers professional liability, not general liability.

The state generally does not mandate it, but clients, courts, or specific engagements often require it. Requirements vary, so it is worth confirming for your situation. ...

It is designed to help replace lost income and cover extra expense if a covered event forces the practice to close temporarily.

Usually not directly. Billing and regulatory exposures are typically addressed through other coverages, which we can review with you.

The state does not mandate it, but hospitals, credentialing bodies, and payer contracts often require it, so most physicians carry it.

Practices hold protected health information under HIPAA and CMIA. A breach can trigger notification duties and costs that cyber coverage is designed to help address.

It can be worth considering. Employment claims can arise in practices of any size, and EPLI is designed to help respond to them.