Unity Insurance

A belated post of our annual agency summer social! A chance for the team to unwind, break bread, and share an afternoon outside the office! Good food, silly games, prizes, and lots of fun!

A great night at the yard! Seeing good friends and colleagues and meeting new ones. And an O’s win! 🧡🖤

Dr. Lee Snyder, Unity Insurance board chair
Shelly Brouse, Unity Insurance CEO
Dr. Sadiq Syed, Maryland Retina
Dr. Michelle Huzella, MD Vision Institute

Today we’re celebrating Diana Smith and her work anniversary with Unity Insurance.

As our Employee Benefits Service Manager, Diana helps clients navigate the day-to-day complexities of employee benefits with expertise, responsiveness, and genuine care. Her commitment to supporting our clients and their employees is an important part of what makes Unity Insurance a trusted partner.

Thank you, Diana, for all you do. Happy work anniversary!

Office Closure: Unity Insurance will close at 2pm on Friday, September 4th in observance of Labor Day. We will reopen on Tuesday, September 8th at 9:00am. If you need policy information or need to make a payment, please visit the client portal: https://unityinsurance.co/client-portal/.

The lowest premium isn't always the best deal. It's just the easiest number to compare.

Two policies priced identically can cover completely different things: different limits, different exclusions, different responses when a claim actually happens.

Coverage should be something a practice can see clearly, not something that gets explained after a claim reveals what wasn't included.

That's the idea behind Clickable Coverage®: making it simple to see exactly what's protected, not just what it costs.

Most benefits broker relationships run on a once-a-year rhythm: renewal packet, sign, repeat.

At Unity, we work differently. We check in on classification changes and staffing shifts throughout the year, not just at renewal. We explain plan changes in plain language, not spreadsheets. And we’ve flagged coding and coverage issues clients never thought to raise themselves.

For growing practices, especially multi-provider groups and ambulatory surgical centers, that kind of attention matters even more. More moving parts means more places for something to slip.

This is the standard we hold every client relationship to: staying close to the details and treating coverage as an ongoing responsibility, not a once-a-year event.

Read more: https://unityinsurance.co/blog/how-to-evaluate-a-benefits-broker-a-checklist-for-practice-managers

Renewing a plan is easy. Knowing what to change before renewal is the harder, more valuable work.

A good benefits partner shows up with options once a year. An engaged one is paying attention well before that: watching where costs are heading, flagging plan design that no longer fits, raising questions before they become problems at the negotiating table.

That kind of attention doesn't show up on an invoice. It shows up in the years a renewal doesn't come with a surprise attached.

It's the difference between a broker and a partner.

A generous benefits plan does little for an employee who doesn't understand what it actually offers.

Open enrollment moves fast, and most employees make decisions based on what they remember from a single meeting months, or years, earlier.

The result: coverage that goes unused, options that go unconsidered, and a plan that looks better on paper than it feels in practice.

The value of a benefits plan isn't just in the plan design. It's in whether people understand it well enough to use it.

Most practice owners assume their Business Owner’s Policy protects them against claims tied to the work they do every day.

It doesn’t, not entirely.

Standard BOPs carry a professional liability exclusion that removes any claim arising from providing, or failing to provide, professional services. Misdiagnosis, treatment errors, and clinical judgment calls all fall outside it, no matter how administrative the trigger looks on the surface.

The real exposure shows up as practices grow: new service lines, staff taking on clinical-adjacent tasks, coverage written years ago for a smaller operation.

We review BOP and malpractice coverage together, not as two boxes already checked, so gaps get caught before a claim does.

Read more: https://unityinsurance.co/blog/professional-liability-exclusions-bop

Happy Birthday to Shelly Brouse, Unity's CEO and the steady hand behind everything we do for our clients.

Shelly's approach to this business, relational, consultative, always a step ahead, sets the standard for how our whole team shows up for practices across Maryland.

Wishing you a wonderful day, Shelly. Thank you for leading the way.