Professional Liability Insurance
Professional Liability Insurance Quote Forms
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Professional Liability Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Professional Liability Insurance Information
Our Companies offer proven claims results
82% of claims are closed with no indemnity payment
What is malpractice/professional liability insurance?
Malpractice insurance, also known as professional liability insurance, protects doctors, dentists, nurses, and other medical professionals in the event of a malpractice lawsuit. Malpractice is a medical error that has resulted in an adverse outcome, such as injury or death. In a malpractice lawsuit, the error must be proven to have been caused by negligence or a departure from the standard of care. A claim of negligence, malpractice or misrepresentation is not covered under a general liability insurance policy, which makes professional liability insurance crucial for those who provide a service or advice for a fee. Malpractice insurance compensates legal fees, regardless of fault, and any damages awarded.
The number of liability lawsuits against professionals has increased in recent years. Many professionals within a variety of industries are at risk of being sued, whether the charges are valid or unfounded. Such lawsuits can mean financial ruin both professionally and personally, including the loss of cars, homes and careers. Professional liability insurance protects your practice and can offset the risk and cost of these events.
Who benefits from professional liability insurance?
Any professional who provides a service, expertise or advice to clients for a fee can benefit from coverage against liability lawsuits. Even with quality employees and risk management practices in place, people still make mistakes. A general liability policy may not cover mistakes that could be made. Professional liability insurance will protect your business and its finances if such an event arises.
What types of malpractice insurance are available?
There are two types of malpractice insurance. While they offer coverage for the same risks, the difference is how and when that coverage takes effect.
- Occurrence: Covers claims that occur while your policy is active. A claim can be reported at any time, even after the policy’s cancellation. Coverage is available with the terms and conditions in effect at the time of the claimed incident.
- Claims-made: Covers claims that both occur and are reported on or after the retroactive date (the first day claims-made coverage begins) and before the policy is cancelled.
Get started today
If you need malpractice insurance, we will evaluate your establishment or practice to determine its unique insurance needs and find you the policy with the necessary coverage. Call us if you have questions or want to get started. We are happy to help you get the protection you need.