Why Should You, Your Practice, Organization, or Business Buy Professional Liability Insurance?
Professional liability insurance protects from being sued for malpractice. You need protection from legal action due to negligent acts, errors, and omissions on the job and from frivolous lawsuits that can be brought even years later.
Without coverage, you could spend precious time and resources defending yourself, regardless of whether there is any merit to the claim. Professional Liability Insurance provides you with experienced legal defense and coverage for settlements or damages.
We offer a professional policy for individuals (including students) and business policies for corporations, group practices, and nonprofits.
If you have many offices and even offices in other states, you are covered for no additional charge.
- Medical Payments $5,000 per incident/$50,000 limits per policy period
- Emergency First Aid $15,000 no incident frequency limit
- Wage Loss & Expenses $1,000 per day/$35,000 limits per policy period
- First-Party Assault $15,000 no incident frequency limits per policy period
- Deposition Expenses $5,000 per incident/$35,000 limits per policy period
- Subpoena Defense $400 limit for 1 claim per policy year
- Sexual Misconduct $25,000 limit per policy year
- Licensing Board Defense $35,000 per incident, no incident frequency limit (upgrade endorsements available)
- HIPAA Records Defense $25,000 per incident (no incident frequency limit)
Is the Professional Liability policy guaranteed issue?
All applicants will have to go through underwriting review during the application process. However, our underwriting guidelines have been set with the behavioral professional needs in mind.
- Canine Therapy Coverage up to policy limits
- Equine Therapy Coverage up to policy limits
- Divorce Litigation Coverage (Limit of $15,000/$15,000)
- Third-party Data Breach Coverage (Limit of $12,000/$12,000 per year)
for Professionals and Businesses
We are committed to offering affordable, high-quality products to behavioral and allied health professionals and businesses. We understand your everyday needs and pressures. That is why we offer solutions to protect and not break your budget! Get a customized quote, you'll find we offer very competitive products with maximum benefits.