Business Solutions for the Real World
Give us a call to get started! 304.935.2002
Business Solutions for the Real World
Give us a call to get started! 304.935.2002
Physician Group Insurance
Energy and
Manufacturing
Industry Expertise
Physician groups and multi-specialty practices face insurance challenges that are more complex than solo practitioners — and more manageable than large hospital systems. You need group-level efficiency with physician-level customization. That’s where Centurion Insurance Services adds the most value. We work with physician groups of all sizes across the country — from two-physician partnerships to multi-location specialty groups — to build comprehensive insurance programs that protect the practice and the people in it.
Conditions change daily in the energy and manufacturing industries. Factors including economic demand, global trading markets, government regulations and political climates create volatility. Although we cannot control the possibilities afforded by these changes, we can control how we respond to them. Centurion understands the realities of these fluctuating conditions and how to help your business respond.
One of the best responses to volatility is advocacy – having an insurance team who will help you navigate an ever-changing landscape. Our team members dig deep to understand our client partners and their business needs. We pair our expertise with knowledge of your business to create innovative insurance solutions for each client. Most importantly, Centurion will be there to support your company when you need us.
The Centurion Advantage
OUR EXPERIENCED TEAM of energy and manufacturing industry professionals provides best-in-class claim handling, including executives who have managed eight-figure casualty and property losses.
OUR TEAM OF INDUSTRY VETERANS will market your insurance program using their knowledge of key insurance carriers, both domestic and international, and create a customized plan for your company.
WE LEARN YOUR ORGANIZATION’S culture and operations to understand your unique exposures and appetite for risk. We become an extension of your in-house risk management department.
WE REVIEW ALL MSA and contracts to verify insurance program programs support indemnification as agreed. We also handle all ISNetworld insurance issues, including uploading Certificates of Insurance.
OUR IN-HOUSE LOSS CONTROL SPECIALIST will help you implement an effective day to day loss prevention program, and customize a risk management program to help achieve your objectives.
What Makes Physician Group Insurance Different
When multiple physicians practice under one organizational entity, several insurance complexities arise:
Group vs. individual coverage structure — Should the group carry one policy covering all physicians, or should each physician carry their own? The answer affects premium, tail coverage obligations, consent-to-settle rights, and claims defense.
Employed vs. contracted physicians — Different relationships create different coverage
obligations and gaps.
Coverage continuity — When a physician joins or leaves the group, coverage must be carefully
managed to avoid gaps.
Tail coverage obligations — When a physician departs, who is responsible for tail coverage —
the physician or the practice?
We address all of these questions upfront, not after a claim reveals a gap.
Core Coverages for Physician Groups
Medical Professional Liability (Group Policy)
A single policy covering the group entity and all employed or contracted physicians. Streamlines administration and typically provides broader protection than individual policies alone.v
General Liability
Protects the practice against non-professional claims — patient and visitor injuries on premises, property damage, and related exposures.
Commercial Property
Covers your office, equipment, medical instruments, and business personal property. Particularly important for practices that own their building or carry significant equipment.
Business Owners Policy (BOP)
Many smaller to mid-sized practices benefit from a Business Owners Policy that bundles general liability and property coverage at a favorable combined rate.
Employment Practices Liability (EPLI)
Physician groups are employers — and employment claims are common. EPLI protects against wrongful termination, harassment, discrimination, and wage-and-hour allegations.
Cyber Liability
Medical practices handle protected health information under HIPAA. A single breach can trigger notification requirements, regulatory investigations, and significant remediation costs. Cyber liability coverage is no longer optional.
Workers’ Compensation
Required by law in most states. Covers employees injured in the course of their work — including clinical and administrative staff.
Disability and Key Person Insurance
Often overlooked, disability and key person coverage protects the practice against the financial impact of a physician owner’s extended absence or death.
What to Review at Every Renewal
Physician groups evolve — new physicians join, others leave, service lines expand, and the practice’s risk profile changes. At every renewal, we review:
Whether the group policy still covers all active physicians
Tail coverage obligations for departed physicians
Whether coverage limits are appropriate given the group’s current size and claim environment
Whether new service lines have been added that require separate coverage endorsements
Whether state licensing changes in any state where physicians practice affect coverage
requirements
Frequently Asked Questions
Can we cover all our physicians under one group malpractice policy?
Yes. A group policy covers the entity and typically all employed physicians. However, coverage terms, consent-to-settle provisions, and tail obligations must be reviewed carefully, especially when physicians have different specialties or risk profiles.
What happens to a physician’s malpractice coverage when they leave our group?
If your policy is claims-made, the departing physician needs tail coverage for incidents that occurred while they were covered under your policy but that haven’t yet been reported. Tail coverage responsibility should be addressed in your physician employment or partnership agreement — before anyone leaves.
What size physician groups do you work with?
We work with groups of all sizes — from two-physician partnerships to multi-specialty groups with dozens of providers.
Do you handle multi-state physician groups?
Yes. If your physicians are licensed and practicing in multiple states, we manage the licensing, surplus lines, and admitted market considerations across all applicable jurisdictions.
How do we get started?
Call 304.993.8393 or contact us online. We’ll need a current roster of physicians, specialty information, and your existing policy for a full review and competitive quote.
One practice. One trusted advisor.
Contact Centurion Insurance Services to build the right program for your group.
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Energy and Manufacturing Specialized Services
Our custom services include:
● Primary General Liability, Commercial Auto and Workers’ Compensation
●Excess Workers’ Compensation
●Construction liability
●Public and products liability, and onshore and offshore liability
●Customized general liability including time element pollution extension, contractor’s pollution liability, owned and non-owned watercraft
●Full umbrella coverage and extensions
●Global Programs
●Claims
●Dedicated Loss Control
Energy and Manufacturing Expertise
Our team of industry veterans has experience in:
●Binding Authorities
●Heavy Industry
●Locally Admitted Policies
●Manufacturing
●Mining
●Oil and Gas
●Product Supply
