Physician-Governed Insurance Agency

Insurance Built for
Healthcare Providers.

Eight lines of business. One agency that understands your practice, your risks, and your patients — because it is governed by physicians.

Why Physician-Governed

We Understand Your Practice
Because We Are Built Inside It

A physician-governed structure means every coverage decision, every carrier relationship, and every policy recommendation is filtered through the lens of those who know healthcare from the inside.

Healthcare-First Expertise

Insurance solutions designed explicitly for the healthcare business model — not adapted from other industries.

Growth-Aligned Strategy

Coverage designed to support scaling into new markets and service lines — insurance that enables expansion rather than constrains it.

Integrated Risk Management

Life & Health paired with comprehensive Property & Casualty protection ensures no blind spots in your risk profile.

Lines of Business

Eight Lines. One Agency.

Comprehensive coverage across Life & Health and Property & Casualty — coordinated through a single physician-governed agency.

Life & Health

IH

Individual Health

Marketplace and off-exchange plans with broad carrier access and guided enrollment.

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GH

Group Health

Employer-sponsored plans with flexible benefit design and tax-credit optimization.

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ST

Short-Term Health

Temporary coverage for gaps in employment or enrollment periods.

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DI

Disability Insurance

Income protection for owners and key employees during illness or injury.

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DE

Dental Insurance

Preventive, diagnostic, and restorative dental coverage for individuals and groups.

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HS

Health Savings Account

Tax-advantaged accounts paired with high-deductible health plans.

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TM

Telemedicine

24/7 virtual care access via phone or video for individuals and employer groups.

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PI

Pet Insurance

Veterinary care coverage for the household — complementing our human health portfolio.

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Property & Casualty

ML

Medical Professional Liability

Claims-made and occurrence-based coverage for physicians and healthcare organizations.

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GL

General Liability

Third-party injury and property damage coverage for your facilities.

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WC

Workers' Compensation

Comprehensive employee injury coverage for high-contact healthcare environments.

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CY

Cyber Liability

PHI breach response, ransomware, HIPAA regulatory coverage, and business interruption.

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CP

Commercial Property

Buildings, equipment, technology infrastructure, and business interruption protection.

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BP

Business Owner's Policy

General Liability, Commercial Property, and Business Interruption in one coordinated policy.

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Appointed With
Colonial Life Amwins CRC Group CM&F Group

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