Community Clinics Challenges:

Your dedication to improving the health and well-being of people in your community presents certain challenges that affect the ability to provide services to this vulnerable part of the population. Medical malpractice premiums continue to increase and several health insurers will not offer quotes to agencies with a residential operation. Clinics also face specific workplace injuries such as needle sticks and instrument handling. Additionally, the Federal government program for federally qualified clinics does not cover prior acts, volunteers or other exposures. High employee turnover coupled with thin HR departments have led to increased unemployment as well as wrongful-termination and discrimination claims. Further, Worker’s Compensation rates for the 8834-Physicians class began to climb since 2008 and strict professional liability policies and HIPAA requirements can leave Centers open to additional claims.

Chapman's Solutions:

Our exclusive medical malpractice program, founded in 1988, continues to offer rates 50-60% less than every other insurer while providing broader coverage and annual dividends. Additional program offerings include:

• Our “Wrap-around” insurance coverage fills in the gaps in the coverage provided by the federal government to federally qualified clinics
• We created a Workers’ Compensation program exclusively for community clinics that allows members to share in the underwriting profits, but not in the losses
• We have created alternative health insurance programs for our clients to utlize
• We have access to loss control and safety education staff focused exclusively on the needs of community clinics
• HIPAA coverage that can be added to your Directors & Officers policy
• Exclusive partnerships with insurers specializing in healthcare agencies like Norcal Mutual, with rates 50-60% less than other insurers