Re: liability insurance

[Guest guest]

we use Marsh-Seabury & 1-. Rates are @$170 or

$1,000,000-$3,000,000

Bubba Klostermann OT, CVE, CEAS

CEO, WORK & REHAB

4546 South 14 th

Abilene, Texas 79605

phone:

fax:

email: bubklo@...

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[Guest guest]

, have you lokked at Lockton Associates ()

ahc.lockton-ins.com. We switched from the APTA's recommended plan and have

saved 60% for 6 therapists, massage therapist and personal trainer. You can

contact me if you have any other questions.

liability insurance

I am looking for a carrier that will provide liability insurance. We have 2

clinics, 6 PT's and 2 PTA's. Anyone have any companies they use and recommend?

Sac Spine & PT

[Guest guest]

I was with Maginnis?Marsh Affinity since last 20 years, now I am with

HPSO-----they are far inexpensive ( I meant cheap!) and they are endorsed by

APTA. I compared the benefits and they both are same.

Hiten Dave' PT

-------------- Original message --------------

> I am looking for a carrier that will provide liability insurance. We have 2

> clinics, 6 PT's and 2 PTA's. Anyone have any companies they use and recommend?

>

>

> Sac Spine & PT

>

>

[Guest guest]

We use C M & F Group - much cheaper than the APTA one we were using, and

it covers our massage therapists better too.

Joan

Business Assistant

www.PDRehab.com

>

> I am looking for a carrier that will provide liability insurance. We

have 2 clinics, 6 PT's and 2 PTA's. Anyone have any companies they use

and recommend?

>

>

> Sac Spine & PT

>

>

[Guest guest]

Yep, cheap matters but what about quality? I was sued for malpractice and

HPSO from APTA was my plan. They have corporate defense attorneys they

utilize in each state and the one assigned to me, out of , Mississippi

was

excellent.

I knew the case was groundless, the pt. threatened she would sue me if

we turned her into collections. We did and she did. (The attorney's told me

later that more than 50% of malpractice cases are when the pt. has a money

dispute and then gets an attorney).

Anyways, the attorney assigned to me from HPSO was very thorough and did

great depositions and discovery. It went my way so much that the plaintiffs

attorney dropped the case with prejuidice. I didn't know what that meant

before but it basically means that the case is so groundless that she can't

re-open it even if she retains another lawyer. I just wish the attorneys would

investigate to that level before filing the case in the first place!

So, I was very happy with the HPSO plan. Remember, you want a company

that has a complete network of corporate defense attorneys.

Matt Capo, PT

Accelerated Physical Therapy and Occupational Health, Inc

Bay St. Louis and Kiln, Mississippi

[Guest guest]

Matt,

This raises an interesting question for the legal eagles. I had one patient

who once threatened to sue if we tried to collect. He told this to my

receptionist. He had a reputation in the area (he was indicted for rape

which I only found out about later and although he was not convicted, it

certainly appeared he was guilty). I called him up and he said the same

thing to me (which another witness heard on a second line). I replied that

his statement constituted extortion, I had witnesses, and if he ever made

such a threat or statement again, I would call the police and have him

charged with extortion, a felony offense. I let him know I was dead serious

and was not intimidated by him (he had intimated other threats). He never

sued. Unfortunately, there are some sickos are there.

Marquette, MI

Re: liability insurance

> Yep, cheap matters but what about quality? I was sued for malpractice

> and

> HPSO from APTA was my plan. They have corporate defense attorneys they

> utilize in each state and the one assigned to me, out of ,

> Mississippi was

> excellent.

> I knew the case was groundless, the pt. threatened she would sue me if

> we turned her into collections. We did and she did. (The attorney's

> told me

> later that more than 50% of malpractice cases are when the pt. has a

> money

> dispute and then gets an attorney).

> Anyways, the attorney assigned to me from HPSO was very thorough and

> did

> great depositions and discovery. It went my way so much that the

> plaintiffs

> attorney dropped the case with prejuidice. I didn't know what that meant

> before but it basically means that the case is so groundless that she

> can't

> re-open it even if she retains another lawyer. I just wish the attorneys

> would

> investigate to that level before filing the case in the first place!

> So, I was very happy with the HPSO plan. Remember, you want a company

> that has a complete network of corporate defense attorneys.

> Matt Capo, PT

> Accelerated Physical Therapy and Occupational Health, Inc

> Bay St. Louis and Kiln, Mississippi

>

>

>

[Guest guest]

et al.,

Make sure that when you assess different liability

insurance products that you make an apples-to-apples

comparison between them. For instance, some carriers

sell “claims-made” policies versus “occurrence

policies”. Each offers a different kind of protection

(and as such have different prices). (Note: With a

cheaper “claims-made” policy, you will need to

purchase additional nose and/or tail coverage if you

ever decide to make a change (in coverage, switching

employers, etc.). With “occurrence policies” <such as

that from HPSO>, the nose and tail coverage is already

built in the price <”further peace of mind”> .)

In addition, be aware that some products may start out

with a “teaser rate” then have significant built in

rate increases in years 2, 3, 4, and sometimes 5, etc.

Also, make sure the carrier has a good " rating " (I

would hate to be covered by a company that would

become insolvent anytime soon).

There are many other nuances with liability products

too. I would suggest you contact the Risk Management

& Member Benefits Department at APTA to learn as much

as you can about liability insurance (prior to

purchasing or changing a policy). I’m sure they can

assist you with a list of questions to ask prospective

carriers as you shop their liability products. Just

some food for thought. Good luck.

Stuart H. Platt, PT, MSPT

Chair, APTA Risk Management & Member Benefits

Committee

Stuart H. Platt, PT, MSPT

Principal

Appropriate Utilization Group, LLC

1904 Monroe Drive, Suite 110

Atlanta, GA 30324

(fax)

splatt@...

--- wrote:

> I am looking for a carrier that will provide

> liability insurance. We have 2 clinics, 6 PT's and

> 2 PTA's. Anyone have any companies they use and

> recommend?

>

>

> Sac Spine & PT

>

> [Non-text portions of this message have been

> removed]

>

>

>

>

>

>

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