Physicians Billing Errors & Omissions and Regulatory Liability Coverage Physicians Billing Errors & Omissions and Regulatory Liability coverage provides defense protection for: Medicare Recovery Audit Contractors (RACs) Suggested Violations of Patient Privacy Regulations (HIPAA) Allegations of Non-Compliant Patient Referrals (STARK) Emergency Medical Treatment (EMTALA) State Board of Examiners Defense Data Breach Coverage The coverage was designed to deliver efficient, expert legal services to physician practices, along with protection for the fines and penalties associated with unintentional overbilling and other noncompliant activities.