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Miscellaneous E&O For Medical Billers

Minimum Premium

This Program is for Medical Billers & Coders who provide services for a fee to clients/third parties

This Program provides Medical Billers & Coders three insurance products in one policy:

  • Misc. E&O- Coverage for third party claims arising out of a Wrongful Act in the performance of or failure to perform Medical Billing & Coding Services.
  • NetGuard® Plus- Cyber Liability coverage for first and third party claims as a result of a network security or privacy breach.
  • MEDEFENSE® Plus- Coverage for defense costs, audit expenses, and civil fines and penalties arising out of a regulatory action alleging Billing Errors, HIPAA, EMTALA and/or STARK Violations. 

Brian Alva
Vice President
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Vanessa Poma
Senior Underwriter
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Product Highlights


  • E&O: $1,000,000
  • MEDEFENSE®: $1,000,000
  • Network Security/Privacy: $250,000
  • Privacy Breach Response Costs: $250,000
  • Regulatory Fines and Penalties: $250,000
  • Network Asset Protection: $100,000
  • Multimedia: $250,000
  • Cyber Extortion: $250,000
  • Cyber Terrorism: $250,000
  • Policy Aggregate: $1,000,000
  • Up to $5M Limits Available

Minimum Premium: $3,000

Minimum Retention: $5,000

GL available  

Key Features

  • Claims Made Policy
  • Duty to Defend (not for Medefense® Plus)
  • Prior Acts Available
  • Policy form provides personal and advertising injury coverage 

Classes Covered

Medical Billers face increased exposure to regulatory proceedings stemming from medical billing errors. MEDEFENSE® Plus is necessary to protect your business.

Medical Billers also have a high level of cyber exposure due to the high number of billing transactions containing sensitive information. NetGuard® Plus provides them broad first and third party claims coverage.




Medical Billers E&O Highlight Sheet


Medical Billing Supplement Application