The insurance program at a local physician's office.

The insurance program at a local physician’s office.

You oversee the insurance program at a local physician’s office. The office has five family practice doctors with four nurses and two office staff. The office is independent, so it must provide full coverage independent of any parent company. The office has a van for transporting supplies, patients to a local medical center, and groups to conferences, etc. Discuss the types of insurance available for the van. Recommend one type and justify your recommendation.