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                                                                    Exhibit 10.9

                              EMPLOYMENT AGREEMENT

      AGREEMENT is made as of the date of the Initial Public Offering of
iPhysician Net Inc., by and between IPHYSICIAN NET INC., a Delaware corporation
(the "Company") and CHARLES VAN COTT (the "Employee").

      The parties hereto agree as follows:

      1. EMPLOYMENT. The Company hereby employs the Employee and the Employee
hereby accepts such employment upon the terms and conditions set forth herein.
The Employee shall perform such services, at such reasonable times and places
for Company, and such of Company's affiliated, related or subsidiary companies
as may, from time to time, be designated by Company's Board of Directors.

      2. TERM. The term of this Agreement shall be thirty-six (36) months,
commencing the date of this Agreement [unless sooner terminated in accordance
with the provisions set forth herein]. If not so terminated and the Employee is
able, ready and willing to perform the duties required under this Agreement and
continues in the full-time employment of the Company, this Agreement may be
extended for successive one-year periods.

      3. COMPENSATION AND OTHER BENEFITS.

            A.    Compensation.

                  (1) Effective January 24, 2000, the annual base salary of the
      Employee shall be One Hundred Seventy Five Thousand dollars ($175,000).
      Such base remuneration will be paid in accordance with the payroll policy
      of the Company.

                  (2) Compensation will be reviewed once per calendar year by
      the Compensation Committee of the Board of Directors after the end of the
      year or on special request of management or under special circumstances at
      other times. Such recommendations of the Compensation Committee will be
      subject to approval of the Board of Directors.

                  (3) The Employee will be entitled to participate in any
      management incentive programs as and when such are in place, and to
      participate in other Company benefits commensurate with the Employee's
      position and responsibilities.

                  (4) If this Agreement is terminated without cause or there is
      a significant downward change in responsibilities and Employee elects not
      to continue in that role, Employee shall be paid a severance payment equal
      to six (6) months base salary at the time of termination. In the event of
      change of control, with or without a significant downward change in
      responsibilities and Employee elects not to continue in that role,
      Employee shall be paid a severance payment equal to twelve (12) months
      base salary at the time of termination Severance shall include both base
      salary and continued vesting of options for that time period.
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            B.    Other Benefits.

                  (1) The Employee shall be reimbursed for the legitimate
      reasonable business expenses in accordance with the standard policy of
      Company.

                  (2) The Employee shall be entitled each year, and at such
      reasonable times as the Company shall approve, to a vacation, the length
      of which shall be in accordance with the standard policy of Company, or as
      recommended by the Compensation Committee and approved by the Board of
      Directors, during which time his compensation shall be paid in full.

      4. DUTIES OF EMPLOYEE. The Employee shall serve Company full time as its
Executive Vice President Business Development & General Counsel and shall
perform such duties not inconsistent with such position and as shall from time
to time be designated by the Board of Directors of Company, and shall devote his
full-time attention, knowledge and skills to the business of Company.

      5. TERMINATION. Notwithstanding any other provision hereof, Company may
terminate Employee's employment under this Agreement at any time with or without
cause. The termination shall be evidenced by written notice thereof to the
Employee, which shall specify the cause for termination. "Cause" for Employee's
termination of employment will exist at any time after the happening of one or
more of the following events, in each case as determined in good faith by the
Company's Board of Directors.

            A. Employee's gross negligence or willful misconduct in performance
      of his duties hereunder where such gross negligence or willful misconduct
      has resulted or is likely to result in substantial and material damage to
      the Company or any of its subsidiaries;

            B. Employee's repeated or unjustified absence from the Company;

            C. The commission of any act of fraud by Employee with respect to
      the Company;

            D. Employee's conviction of a felony or a crime involving moral
      turpitude causing material harm to the standing and reputation of the
      Company; or

            E. Employee's incurable material breach of any element of the
      Company's Confidentiality Agreement, including without limitation,
      Employee's theft or other misappropriation of the Company's proprietary
      information.

      6. NON-COMPETE. Employee agrees that during the term of employment with
the Company, and for a period of one (1) year commencing on the date Employee
ceases

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for any reason whatsoever to be an Employee of the Company, the Employee shall
not, in the United States or any other country where the Company is conducting
business or has clients at the time of termination of employment, either
directly or indirectly compete with the Company or divert or attempt to take
away any of the customers or business of the Company and/or induce or attempt to
induce an employee of the Company or any other individual or entity to do the
same.

      7. MODIFICATION OF AGREEMENT. This Agreement supercedes any and all
earlier Employment Agreements made between the Company and the Employee, and in
the case of any conflict of terms contained in this Agreement, and any other
prior Agreement, the terms of this Agreement shall prevail. No waiver or
modification of this Agreement shall be valid unless it is in writing and duly
executed by both parties.

      8. NOTICE. Any notice provided for in this Agreement must be in writing
and must be either personally delivered, or mailed by first class mail, to the
Employee or Company at 8777 North Gainey Center Drive, Suite 285, Scottsdale,
Arizona 85258, or such other address or to the attention of such other person as
the recipient party shall have specified by prior written notice to the sending
party. Any notice under this Agreement will be deemed to have been given when so
delivered or mailed.

      9. COUNTERPARTS. This Agreement may be executed on separate counterparts,
each of which is deemed to be an original and all of which taken together
constitute one and the same agreement.

      10. SUCCESSORS AND ASSIGNS. This Agreement is intended to bind and inure
to the benefit of and be enforceable by Employee, the Company and their
respective heirs, personal representatives, successors and assigns, except that
the Employee may not assign any of its rights or obligations under this
Agreement except to the extend and in the manner expressly permitted hereby.

      11. CHOICE OF LAW. This Agreement shall be governed by the laws of the
State of Arizona.

IN WITNESS WHEREOF, the parties have executed this Agreement on the day and year
first above written.

iPHYSICIAN NET INC.                       EMPLOYEE:

By:_________________________________      _______________________________

Title:_______________________________

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                                                                   Exhibit 10.10

                              INDEMNITY AGREEMENT

     This Agreement is made as of the 1st day of August, 1999, by and among
iPhysician Net Inc., a Delaware company, (the "Company"), and
("Agent").

                                    RECITALS

     1.   The Agent has or is currently serving as a Director and/or Officer of
the Company and the Company wishes the Agent to continue in such capacity;

     2.   The Agent is willing, under certain circumstances, to continue in
such capacity provided he/she is indemnified from and against any and all loss,
claim or expense, including attorneys' fees, incurred by virtue of the fact
that Agent was a Director or Officer of the Company;

     3.   In addition to the indemnification to which the Agent is entitled
pursuant to the respective Charters or Bylaws of the Company, and as additional
consideration for the Agent's service, the Company has furnished at its expense
directors and officers liability insurance protecting the Agent in connection
with such service;

     4.   The Agent has indicated that he/she does not regard in the
indemnities available under the Company's Charters or Bylaws and any insurance
remaining in effect as adequate to protect him/her against the risks associated
with his/her service to the Company;

     NOW THEREFORE, in order to induce the Agent to continue to serve as
Director and/or Officer for the Company and in consideration of his/her
continued service, the Company hereby agrees to indemnify the Agent as follows:

          a.   The Company will pay upon request and on behalf of the Agent or
his/her spouse, executors, administrators or assigns, any amount which he/she
is or becomes legally obligated to pay because of any claim or claims made
against him/her because of any act or omission or neglect or breach of duty,
including any actual or alleged error or misstatement or misleading statement,
whether or not claimed to be intentional or made in bad faith, which he/she
commits or suffers while acting in his/her capacity as a Director and/or
Officer of the Company or solely because of his/her being a Director and/or
Officer. This Indemnity Agreement shall cover claims made which relate to acts
or failure to act prior to the date hereof including claims pursuant to
which litigation has either commenced or been threatened. The payments which the
Company will be obligated to make hereunder shall include, all attorneys' fees,
damages, judgments, settlements and costs, cost of investigation and costs of
defense of legal actions, claims or proceedings and appeals therefrom, and
costs of attachment or similar bonds.

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     b.   If a claim under this Agreement is not paid by the Company, or on its
behalf, within sixty days after written request has been received by the
Company, the claimant may at any time thereafter bring suit against the Company
to recover the unpaid amount of the claim and if successful in whole or in part,
the claimant shall be entitled to be paid also all the costs and expenses of
prosecuting such claim.

     c.   In the event of payment under this Agreement, the Company shall be
subrogated to the extent of such payment to all of the rights of recovery of the
Agent, who shall execute all papers required and shall do everything that may be
necessary to secure such rights, including the execution of such documents
necessary to enable the Company effectively to bring suit to enforce such
rights.

     d.   Although it is the intent of this Indemnity Agreement to hold Agent
harmless from and against any claim, cost or expense, the Company shall not be
liable under this Agreement to make any payment in connection with any claim
made against the Agent:

          (i)       for which payment is actually made to the Agent under a
valid and collectible insurance policy, except in respect of any excess beyond
the amount of payment under such insurance;

          (ii)      based upon or attributable to the Agent gaining in fact any
personal profit or advantage to which he was not legally entitled;

          (iii)     for an accounting of profits made from the purchase or sale
by the Agent of securities of the Company within the meaning of Section 16(b) of
the Securities Exchange Act of 1934 and amendments thereto or similar provisions
of any state statutory law or common law.

     e.   This Indemnity Agreement and the obligations of the Company hereunder
shall survive and continue to benefit the Agent with respect to any claims made
after the date Agent is no longer a Director and/or Officer of the Company
regardless of the reason for discharge or termination.

     f.   No costs, charges or expenses for which indemnity shall be sought
hereunder shall be incurred without the Company's consent, which consent shall
not be unreasonably withheld.

     g.   The Agent shall give to the Company notice in writing as soon as
practicable of any claim made against him/her for which indemnity will or could
be sought under this Agreement. Notice to the Company shall be directed to the
attention of the Corporate Secretary (or such other address as the Company shall
designate in writing to the Agent); notice shall be deemed received if sent by
prepaid mail properly addressed, the date of such notice being the date
postmarked. In addition, the Agent shall give the Company such information and
cooperation as it may reasonably require and as shall be within the Agent's
power.

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          h.   Costs and expenses including attorneys' fees incurred by the
Agent in defending or investigating any action, suit, proceeding or
investigation shall be paid by the Company in advance of the final disposition
of such matter, if the Agent shall undertake in writing to prepay any such
advances in the event that it is ultimately determined that the Agent is not
entitled to indemnification under the terms of this Agreement.

          i.   This Agreement may be executed in any number of counterparts,
all of which taken together shall constitute one instrument.

          j.   Nothing herein shall be deemed to diminish or otherwise restrict
the Agent's right to indemnification under any provision of the respective
Charters or Bylaws of the Company or under applicable law or available insurance
coverage.

          k.   This Agreement shall be governed by and construed in accordance
with Delaware Law.

          l.   This Agreement shall be binding upon all successors and assigns
of the Company (including any transferee of all or substantially all of its
assets and any successor by merger or operation of law) and shall inure to the
benefit of the Agent's spouse, heirs, personal representatives and estate of
Agent.

          IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be duly executed and signed as of the day and year first above written.

                                             COMPANY:

                                             ------------------------

ATTEST:                                      By
          -----------------------            ------------------------

                                             Its
                                             ------------------------

                                             AGENT:

                                             ------------------------

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