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    <loc>https://www.physiciansins.com/hospitals</loc>
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    <lastmod>2023-10-10</lastmod>
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      <image:title>Hospitals - Hospitals.</image:title>
      <image:caption>The reputation of a hospital is its greatest asset.  We will work with you to prevent or vigorously defend any claims that may threaten your repute.   We specialize in community-based hospitals including critical access, general acute care, specialty hospitals, hospital/physician programs and alternative risk partnerships with self-funded facilities.  We have the capacity to structure an integrated hospital-physician program that encompasses both your primary and excess hospital policies as well as your employed, contracted, or independent physician providers.  Miscellaneous facilities can also be contemplated within coordinated coverage.     The hospital marketplace is a fluid &amp; dynamic environment.   The guidance of a skilled advocate is essential in maintaining your hospital’s optimum position within this market.  We are both active partners &amp; effective advocates in our hospitals’ risk management programs - adding value, excellence, and expertise to the the management of their risks and reputations.</image:caption>
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  <url>
    <loc>https://www.physiciansins.com/contact-us</loc>
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    <priority>0.75</priority>
    <lastmod>2023-10-10</lastmod>
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  <url>
    <loc>https://www.physiciansins.com/practice-groups</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:title>Practice Groups - Practice Groups.</image:title>
      <image:caption>Independent practice groups are the backbone of our agency. Our commitment to their best interest is unwavering, from the smallest details to the broadest scopes. Our extensive market access allows us to assess a diverse range of coverage options in correlation with the potential risks and specified needs of the group. If an alternate program emerges that may provide improvements above an incumbent carrier, our groups are advised of the opportunity. If a transition is not ideal, we utilize competitive leverage to encourage the incumbent carrier to maintain a leading edge. Thus, our groups are assured in their placement and satisfied with their service. Our representation goes beyond the ordinary curve. Excellence is the only destination.</image:caption>
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    <loc>https://www.physiciansins.com/individual-physicians</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:title>Individual Physicians - Individual Physicians.</image:title>
      <image:caption>Every risk merits our utmost attention. We pursue solutions on behalf of our individual physicians as vigorously as our large practice groups. We will be happy to review your current insurance placement and provide a comprehensive cost &amp; coverage analysis. The analysis will include comparative premium projections specific to your practice profile, as well as any recommendations for policy enhancements, coverage augmentations, or advantageous programs that may be relevant. A healthy reduction in premium coupled with an appreciable expansion of coverage is the outcome of nearly every review.</image:caption>
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  <url>
    <loc>https://www.physiciansins.com/facilities</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:title>Facilities - Facilities.</image:title>
      <image:caption>We place primary, excess, and umbrella liability programs for a variety of medical facilities. Our agency understands the unique exposures of these facilities, and can facilitate tailored solutions that will most effectively address their coverage needs.  Our targeted markets include Dialysis Centers, Cancer Treatment Centers, Blood Banks, Medi-Spas, Ambulatory Surgical Centers, Urgent Care Facilities, Imaging Centers, and Weight Loss Clinics.</image:caption>
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  <url>
    <loc>https://www.physiciansins.com/aboutus</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2024-07-24</lastmod>
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  <url>
    <loc>https://www.physiciansins.com/nurse-midwives</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:title>Nurse Midwives - Nurse Midwives.</image:title>
      <image:caption>Our CEO has been blessed with the guidance of midwives at the deliveries of his four children, and is particularly keen in serving this integral community of practitioners.     We have developed access to A-rated carriers offering competitive, precisely structured policies intended for Certified Nurse Midwives, whether on an individual or group basis.  Birthing Center coverage is available at a low additional premium, and shared coverage is extended for employees, students, and volunteers of insured CNMs.  The preferred policies are written specific to the exposures faced by CNMs, with practitioner-favorable terms.  These include consideration for incidental homebirth exposure, first dollar coverage,  full consent to settle provisions, and unlimited free tail for death, disability, or retirement. Quarterly financing is offered at no interest.</image:caption>
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  </url>
  <url>
    <loc>https://www.physiciansins.com/equote</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-24</lastmod>
  </url>
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