FAQ

What does ProAssurance offer? 

At ProAssurance, you will experience superior malpractice claims handling and effective risk management resources.

Who does ProAssurance insure?

ProAssurance offers a variety of medical liability options from first dollar coverage to specialty insurance solutions for multi-state and national healthcare providers.

ProAssurance Group also offers additional coverage options through different lines of business including PICA Group, offering coverage for specialized medical professionals such as podiatrists and chiropractors; Medmarc, offering coverage for medical technology and life sciences products; and Eastern Alliance, offering workers’ compensation options.

Where can I learn about ProAssurance’s company structure?

What is ProAssurance’s strength?

Does ProAssurance provide coverage in all 50 states and the District of Columbia?

Where is ProAssurance ranked in the top three writers of MPL as of May 2025?

Where is ProAssurance ranked in the top 10 writers of MPL?

Who is ProAssurance’s MPL Leadership?

Where does ProAssurance have endorsements and/or sponsorships?

Who does ProAssurance have an annual sponsorship agreement with?

Is ProAssurance part of Podiatric Medical Associations?

Yes. PICA, part of ProAssurance Group, is the nation's leading provider of medical professional liability insurance for podiatric physicians in the United States. PICA is endorsed by the American Podiatric Medical Association (APMA) and the American College of Foot and Ankle Surgeons (ACFAS), the American College of Foot and Ankle Orthopedics and Medicine (ACFAOM) and other state podiatric medical associations.

Can ProAssurance insureds pay online?

• Online payments made before 12:00 p.m. CT on regular business days are sent to the bank on the same day.
• Online payments after 12:00 p.m. CT or on weekends are sent the next business day. 
  Payments are posted to insureds’ ProAssurance accounts no later than the next business day. Balance and activity are viewable on the Portal's Billing Account Summary page.

How can insureds pay online?

Can insureds make a one-time, online payment?

Does ProAssurance have a phone payment option?

Phone payments made before 12:00 p.m. CT on regular business days are sent to the bank on the same day. Phone payments after 12:00 p.m. CT or on weekends are sent the next business day.

Does ProAssurance have a pay by mail option?

Yes. ProAssurance has a premium payment regular mail address for ProAssurance Indemnity Company, Inc. P.O. Box 74831 Cleveland, OH 44194-0914 and a mailing address for NORCAL Insurance Company P.O. Box 74738 Cleveland, OH 44194-0821.

ProAssurance has an overnight mailing address: Key Bank- Lockbox Ops
Attn: LB (Company Name: Indemnity or NORCAL)
4910 Tiedeman Road
Cleveland, OH 44144

Can a ProAssurance insured pay a tail policy payment online or by phone?

Does ProAssurance retain banking information?

Can a ProAssurance insured make a payment to instantly reinstate a policy canceled due to non-payment?

Can a ProAssurance insured pay by phone if they do not have an email address?

Does ProAssurance have a fee for phone payment?

Does ProAssurance accept payment via credit card?

ProAssurance recently partnered with InvoiceCloud to accept credit card payments. These can be made by logging into your ProAssurance Portal and selecting “Pay Invoice(s)”, using our one-time pay site www.ProAssurance.com/Pay, or using the automated phone payment system by calling 800-282-6242  “option 1” and “option 1” again.

Who are ProAssurance’s Agency Partners? 

How do ProAssurance insureds submit a claim?

• Email: Submit the Incident Reporting Form via email to ReportClaim@ProAssurance.com.
• Fax: Submit the Incident Reporting Form by fax to 615-324-9177.
• Phone: Call 877-778-2524 (Be prepared to relay Incident Reporting Form information.)

Provide all relevant documents (including any demand, notice of intent to sue, complaint, or other documentation received that relates to the incident or claim).

Please do not forward medical records right away.

Does ProAssurance have Cyber Claims Support?

In addition to the ProAssurance Claims Intake System, cyber claims can be reported directly to Tokio Marine.

Call 818-382-2030 8:00 a.m. - 5:00 p.m. PT.

Call 888-627-8995 after regular business hours, on weekends, or holidays.

What does a ProAssurance insured need when reporting a claim?

Patient or claimant name and date of birth

Documents outlining the allegations, dates of alleged negligence, and/or request for appearance.

Date you received the documents, along with how they were received.

A copy of the patient’s medical records, if available

A copy of the incident report completed by you, if available

The name and address of the contact person at your practice

The best time to reach the contact person at your practice.

When should a ProAssurance insured report a claim?
Contact us immediately if:

• You or your practice receive legal papers naming you, your practice, or any of your practice employees as a defendant.
• A patient or patient’s relative demands compensation for medical services you or your practice provided.
• A patient or patient’s relative delivers a verbal or written threat to pursue legal action because of treatment you or your practice provided.
• An attorney contacts you about the care and treatment given to a patient.
• You receive a request for a patient’s medical records for reasons other than transfer of care.
• An adverse event occurs that you think could become a claim.
• You receive a licensure or board complaint.

What are some potential claim warning signs?

• A patient experiences a significant, unexpected adverse outcome.
• You suspect an error or omission occurred in providing medical treatment.
• A patient expresses dissatisfaction with the treatment you provided.
• Another healthcare provider is involved in legal action with one of your current or previous patients.
• A member of your staff informs you of a potential patient incident.

What happens after a claim is reported?

ProAssurance will choose your legal defense team from a select group of defense attorneys experienced in medical professional liability litigation with a track record and expertise in the specific type of malpractice related to your case. ProAssurance claims specialists have extensive knowledge of local claims, legal, and professional liability environments to help prepare an optimal defense.

Your claims specialist will assist you with every aspect of the claims process. For additional information, review our list of claims dos and don'ts.

Who has access to ProAssurance resources?

How do you find a ProAssurance-appointed agent?

Where do I send Ob-Gyn Risk Alliance applications?

Where do I send dental professional applications?

How are applications submitted?

Where do you send new business applications?

Where do you send Renewal applications?

What is specialty new business?

Where do I send physicians and physician group specialty applications?

Where do I send hospital specialty applications?

Where do I send Miscellaneous medical specialty applications?

Where do I send senior care specialty applications?

Does an agency need access to E&S placements?

E&S products must be accessed through an authorized wholesaler. Agencies without an E&S license may benefit from working with the ProAssurance Agency on E&S placements and/or in the event of agent contract limitations. ProAssurance Agency serves appointed agents and brokers nationwide. Call 844-331-6298 or email PRAAgency@ProAssurance.com.

What is the ProAssurance Malpractice Insurance Knowledge Center?

Where can someone find the ProAssurance Malpractice Insurance Knowledge Center?

Where can I find ProAssurance news and/or updates?

What are ProAssurance’s coverage options for physicians?

Does ProAssurance have different physician divisions and/or programs?

What is Preferred Physicians Group (PPM)

What is Ob-Gyn Alliance or OBRA?

What is the Customs Physicians option?

Physicians, physician groups, and medical facilities are considered based on unique attributes and requirements. The E&S lines division works with approved wholesale and national retail brokers to find customized coverage options. Solutions may include varying levels and structures of coverage to suit clients’ needs. These include consent to settle, tail coverage, defense costs, self-insured retentions and deductibles, incident reporting, and more.

Does ProAssurance have a reentry option for physicians? 

Your participation and satisfactory compliance with ProAssurance’s recommendations enable us to consider you for the standard market but do not guarantee placement in the market.

If ProAssurance determines you have satisfactorily completed the program, the appropriate ProAssurance company will offer coverage. Any offer of insurance coverage is subject to filed and approved rates, rules, and forms for admitted carriers or application regulations for E&S carriers. 

Does ProAssurance physicians and physician group policies have risk sharing programs?

Does ProAssurance have loss portfolio transfers for large group options?

Does ProAssurance have prior acts reporting coverage for large group options?

Your coverage will be tailored to meet the needs associated with your specific situation.

Does ProAssurance have loss sensitive programs for large group options?

Does ProAssurance have alternative risk programs for large group options?

Does ProAssurance offer coverage options for dentists, chiropractors, and podiatrists?

Yes, Our Podiatric Physicians Medical Professional Liability Insurance Program is underwritten by ProAssurance Insurance Company of America (PICA) the nation's leading podiatric liability insurer. Founded by podiatrists for podiatrists, PICA is committed to helping protect and support podiatric physicians in every aspect of their practice.

Yes, The OUM Chiropractor Program has provided medical professional liability insurance protection to chiropractors since 1983. We are committed to diligently protecting and defending our policyholders against malpractice claims while providing unparalleled client service.

Yes, DentistCare is a professional liability insurance program for dentists, oral surgeons, and other dental specialists and has been helping dental professionals for more than 25 years. Dental professional liability insurance takes many different approaches, depending on your group’s size and other important factors.

Does ProAssurance offer coverage for hospitals?

Choose a strong insurance solution from a variety of traditional approaches, risk sharing programs, and alternative risk programs. ProAssurance can also tailor a custom program to fit your needs.

Does ProAssurance have options for smaller hospitals and healthcare systems?

Does ProAssurance have Alternative Risk Options?

• Loss portfolio transfers
• Prior acts reporting coverage.
• Loss sensitive programs
• Captive solutions
  ProAssurance can help you solve your most complex and unconventional risk valuation and financing needs. 

Is there available information for brokers?

Yes. There is a hospital flyer available.

What is ProAssurance’s miscellaneous medical coverage?

Does ProAssurance have preferred business?

What are ProAssurance’s preferred businesses?

• Advanced Practice Provider
• Allied Medical and Nursing Schools
• Therapy Services–Physical, Occupational, Speech, and Behavioral
• Dialysis Centers
• Home Health
• Hospice
• Imaging Centers
• Laboratories
• Medical Clinics
• Medical Directors
• Non-physician Healthcare Staffing
• Specialty Pharmacies
• Surgery Centers

Is there available information for brokers?

Yes. Miscellaneous Medical Fact Sheet and Miscellaneous Medical Success Stories.

Does ProAssurance offer Senior Care MPL Insurance?

Does ProAssurance have preferred business?

Does ProAssurance have preferred characteristics for senior care MPL insureds?

Does ProAssurance have a team for senior care MPL claims?

Does ProAssurance have Senior Care Risk Management Resources?

• Risk management consultants available for consultation.
• Risk management publications covering exposure trends, articles, data, and Senior Care claim studies.
• Onsite or virtual risk management assessments

View our Senior Care Risk Management resource bundle, specifically designed for healthcare professionals working in senior care facilities.

Does ProAssurance have a captive solution for risk sharing?

You may consider an Inova program if you are interested in assuming meaningful risk and meet the following criteria:

• Your current premiums exceed $1.5 million (primary coverage).
• You seek an alternative insurance solution for complex healthcare professional liability and/or workers’ compensation risks.
• You have an established risk management program and a single insurance “buying decision.”
• While you are interested in taking on risks, you desire a risk partner that can help support a sustainable program.
• Inova’s alternative insurance solution—commonly referred to as captives, or “protected cells”—is part of an SPC structure. Assets and liabilities reside securely within your own cell, providing you with better control over insurance costs and outcomes. However, the broader SPC also enjoys economies of scale that can be leveraged more holistically.

Inova’s “soup to nuts” approach makes it easy to create, participate, and benefit from your own program:

• Fully bundled offering: Inova is vertically integrated, providing specialized expertise in program formation, underwriting, risk management, and claims administration.
• Strategic partnerships: Inova has structured, solid partnerships with globally respected reinsurance partners, as well as highly respected financial, investment, and audit firms.
• Alternative insurance expertise: Inova’s affiliate, Eastern Re was the first SPC to be authorized by the Cayman Islands Monetary Authority. It also was the first SPC to be assigned a financial strength rating by AM Best Company.

Does ProAssurance have alternative risk options?

What are ProAssurance’s Captive Solutions?

• Inova provides a secure, stable insurance environment through its Segregated Portfolio Company (SPC) structure. An SPC is a single legal entity comprised of individual “protected cells.” Your assets and liabilities would reside securely within your own cell, providing better control over insurance costs and outcomes.
• Inova’s vertically integrated, fully bundled, specialty carrier approach makes creating, participating, and benefiting from a program as easy as possible. A true leader in alternative insurance, Inova’s affiliate Eastern Re was the first SPC to be authorized by the Cayman Islands Monetary Authority. Inova has structured, solid partnerships with globally respected reinsurance partners, as well as highly respected financial, investment, and audit firms.
• You can be confident knowing that Inova’s SPC structure can help to mitigate the fluctuations of traditional insurance pricing cycles—providing you with greater peace of mind.

Does ProAssurance have other risk financing options?

What are ProAssurance portfolio transfers?

What is ProAssurance’s prior acts reporting coverage?

What is ProAssurance’s Loss-Sensitive Program?

Large healthcare organizations may realize savings and cash flow advantages by addressing some of their risk via a loss sensitive insurance program through ProAssurance. Some organizations may utilize such a program as a “steppingstone” toward an Inova captive solution. Loss-sensitive program options can include large deductibles, retrospective rating, or profit sharing. These options are different and there is no “one size fits all.” ProAssurance works to help you craft an approach consistent with your organization’s risk philosophy, goals, and needs. ProAssurance’s underwriting, claims and risk management expertise with healthcare-related exposures compliments and dovetails with loss-sensitive rating plans.

Does ProAssurance have an online portal?

Yes. The ProAssurance portal provides our medical professional liability (MPL) insurance customers with online access to important resources. If you already have an account, please sign in; those needing one may create an account. 

Services for our MPL customers within the portal vary.

What do all ProAssurance professional liability insureds have access to on the ProAssurance portal?

What do authorized representatives for group policies have access to on the ProAssurance portal?

What do agents have access to on the ProAssurance Portal?

How do I create a ProAssurance Portal account?

• If you’ve previously registered, simply select “Sign In” and enter your information.
• For questions about the portal or assistance in creating your account, please contact web support at Portal@ProAssurance.com.
• You can discuss your risk-related questions and concerns with one of our Risk Management Consultants Monday through Friday, 8:00 a.m. to 5:00 p.m., at 844-223-9648 or RiskAdvisor@ProAssurance.com.
• Note: Our other divisions and programs maintain portals for the benefit of their customers. Please visit the Medmarc, PICA, OUM Chiropractor, or Eastern Alliance websites to sign in or to learn what services are offered.

What is ProAssurance’s online security for portal users?

How do ProAssurance Portal users set up multi-factor authentication?

What are the ProAssurance multi-factor authentication options?

Text message: Enter your mobile phone number to receive a unique six-digit access code then enter the code to sign in to the portal.

Automated voice call: Instead of a text, answer an automated voice call to receive a five-digit access code. This option allows you to use your office or home phone number. Enter this code to sign in.

Does ProAssurance require users to have multi-factor authentication for the portal?

How often do ProAssurance Portal users have to complete MFA?

You will have to complete MFA each time you sign in to your account on a new device or use a new web browser unless you check the box labelled “recognize me on this device” during sign in. 

By checking the box, you will be able to defer MFA re-authentication for a period on future visits. If you do not check the box, you will need to provide your password and work through your chosen MFA option every time. 

How do ProAssurance Portal Users recover their password?

How do ProAssurance Portal Users change their name, email address, or password?

Can ProAssurance Portal Users lock their accounts?

Yes, you can lock your account if you receive an email about changes made to your “Account Preferences” (name, email address, password) that you did not authorize. You will follow the instructions in the confirmation email to lock your account. Contact Web Support immediately if you suspect anything out of the ordinary with your ProAssurance account.

To successfully unlock your account, contact the Portal team at  Portal@ProAssurance.com. 

Who do ProAssurance Portal Users contact if help is needed?

Does ProAssurance have forms available for medical professional liability insurance applications?

Yes. Visitors seeking medical professional liability insurance applications can find them on the new business applications page or the renewal applications page. If you have a suggestion for a form to be added to this page, please email AskMarketing@ProAssurance.com. 

The available forms include the following: 

• Submissions Cover Sheet 
• Affidavit of Retirement and/or Cessation of the Practice of Medicine Form 
• Information Regarding Business Associate Agreements and Health Information Privacy Statement
• Claims History Request Form 
• Loss Run Request Form
• Locum Tenens Coverage Request Form 
• Authorization Agreement for Direct Deposits of Disbursements 

Does ProAssurance attend MPL tradeshows and events?

ProAssurance regularly attends national and local tradeshows and events to demonstrate our commitment to the healthcare industry. We sponsor and support our partners in organized medicine. Visit us at any of these trade shows or events to learn about how we can help you protect your important professional identity.

If you are attending a conference and would like to request a meeting with a ProAssurance representative, email AskMarketing@ProAssurance.com.

What happened to NORCAL?

Does ProAssurance have the financial consideration information regarding the NORCAL transaction?

• Consideration Distribution FAQ (updated 7/11/2025)
• August 2024 Update - Contingent PRA Consideration Communication
• February 2022 Update - NORCAL Policyholder Contribution Certificate Communication
• Reverse Stock Split for Holders of Conversion Shares - August 2021
• Important Information About Your NORCAL Financial Consideration - August 2021

Does ProAssurance have tax information regarding the NORCAL transaction?

•  Tax Questions Related to the Transaction Consideration

Does ProAssurance have transaction documents from the NORCAL transaction? 

• March 2021 Update – Special Meeting
• Amended and Restated Plan of Conversion
• Acquisition Agreement
• Member Information Statement
• Tender Offer Statement
• Important Disclosures and Instructions for Consideration Election Form

Does ProAssurance have cybersecurity insurance for MPL insureds?

What does CyberAssurance Plus provide for physicians, hospitals, and facilities?

Your CyberAssurance Plus coverage provides protection against risks associated with cyber threats. These critical coverage enhancements are included in physician, hospital, and facility policies:

• Multimedia Liability—for claims alleging copyright/trademark infringement, libel and slander, plagiarism, and personal injury resulting from the dissemination of media material.
• Security and Privacy Liability—for losses and defense costs associated with a wrongful act resulting in a breach.
• Privacy Regulatory Defense and Penalties—for regulatory fines and penalties and/or a regulatory compensatory award, and defense costs from security or privacy breaches.
• Network Asset Protection—for loss of digital assets through damage, alteration, corruption, distortion, theft, misuse, or destruction. Plus, failure of the computer system and nonphysical business interruption and extra expenses.
• Cyber Extortion—for expenses incurred and monies paid for a threat.
• Cyber Terrorism—for income loss, business interruption expenses, and special expenses incurred from a total or partial interruption of the computer system.
• Payment Card Industry Data Security Standard (PCI DSS) Assessment—for claim expenses, assessments, and fines imposed by banks and credit card companies from noncompliance or payment card company rules.
• BrandGuard^®—for lost revenue because of an adverse media report, or customer notification of security or privacy breaches.

• Proactive Privacy Breach Response Costs—for public relations expenses incurred from a breach before an incident occurs. This can avert or mitigate the potential impact an adverse media report can have on your reputation.
• Voluntary Notification Expenses—for expenses incurred to notify affected parties of a privacy breach.
  
  

What is ProSecure for Physicians?

You want to protect your identity and personal information from the threat of cybercrime. Individual physicians can apply for ProSecure, ProAssurance’s suite of products underwritten by Tokio Marine HCC – Cyber & Professional Lines Group. ProSecure's higher limits and additional coverages pick up where your policy’s CyberAssurance Plus protection ends. This enhanced coverage includes:

• System failure coverage
• Cybercrime—$100,000 sublimit, $2,500 retention
• Coverage for loss of money or securities incurred due to financial fraud, including:
  • Wire transfer fraud
  • Charges incurred for unauthorized calls resulting from the fraudulent use of the insured’s telephone system.
  • Expenses incurred to notify customers of phishing schemes, or emails that impersonate the insured or the insured’s brands, products, or services.
  • Reimbursement costs for loss sustained from phishing schemes.

What is ProSecure?

ProSecure is our brand name for the following suite of products, all of which are underwritten by Tokio Marine HCC – Cyber & Professional Lines Group:

• Regulatory Risk Protection
• Cyber Liability

What is the advantage of ProSecure?

How are ProSecure products provided?

Who handles underwriting and claims?

Is ProSecure available to all ProAssurance insureds?

How can I apply for ProSecure?

Does ProAssurance have informational flyers on ProSecure or CyberAssurance Plus?

Yes, there is a CyberAssurance Plus flyer and a ProSecure flyer.

Does ProAssurance offer tail coverage?

In certain instances, tail coverage may be provided at no additional charge. In the event this is not the case, consider the long-term benefits of purchasing tail coverage. It may be helpful for:

• Leaving the practice of medicine
• Retirement
• Moving to a hospital or facility

If you do not renew a claims-made policy, tail coverage may be necessary to protect against claims submitted after the last policy expires or is canceled.

What is claims-made coverage?

Coverage with a claims-made policy is determined by when a claim is reported, and coverage with an occurrence policy is determined by when the incident occurred.

A claims-made policy offers:

Protection for claims reported when the policy is in effect, provided the incident happens on or after the claims-made retroactive date (usually, the date of the first claims-made policy).

A “clean slate” of limits at policy renewal, significantly reducing the chance of exhausting the total aggregate limits when compared with occurrence coverage.

*When you purchase a policy, you receive a set of limits—both per claim and per policy period. So, with $1 million/$3 million limits, you have $1 million maximum coverage per claim and up to $3 million coverage per policy period (usually one year) in the event of multiple claims.

What is occurrence coverage?

An occurrence policy offers:

Protection for claims arising during a policy period.

Coverage under the policy limits in effect at the time of the incident—even from several years prior—no matter when a claim is reported. As such, these limits may not reflect the risk faced at the time of the claim.

Coverage of claims reported after the policy term expires. You cannot adjust the aggregate limit for future claims to address changing protection needs.

What is the coverage features for ProAssurance claims-made policies?

Your ProAssurance claims-made policy provides automatic tail coverage for death or disability. Insureds also receive tail coverage upon full retirement when continuously covered by ProAssurance on a claims-made basis for a minimum of five years. *

For large healthcare organizations, ProAssurance offers tail coverage on both an admitted and excess basis. Your policy is updated annually through one policy and invoice to reflect changes, including physicians leaving your practice. You can choose from a variety of personalized coverage options, including a deductible subject to underwriting approval.

Do I need tail coverage?

Tail coverage is necessary upon retirement or otherwise ceasing the practice of medicine if you had a claims-made policy. If you are moving coverage from an occurrence policy, tail coverage is not necessary. If you are moving coverage from another insurer’s claims-made policy, this coverage may be handled under the prior acts coverage of the new claims-made policy.

With a ProAssurance policy, tail coverage is available—whether for a premium charge or at no additional cost.

What is ProAssurance Agency?

You can protect your practice through ProAssurance Agency and its various business and multiline department coverages. ProAssurance Agency serves appointed agents and brokers nationwide, and direct customers. Physicians looking for malpractice insurance solutions from ProAssurance may contact us at PRAAgency@ProAssurance.com.

We offer business owners and professionals Total Practice Solutions for business assets, cyber and regulatory risks, management liability, professional and personal coverages, and workers’ compensation. 

Does ProAssurance have multiline department coverage?

What is included in ProAssurance’s professional liability coverage?

Dental professional liability is offered to customers in Alabama. Coverage is also available through DentistCare.

Applications:

Dentist New Business Application

Dental Corporation New Business Application

Agencies without an excess & surplus (E&S) license may benefit from ProAssurance Agency for E&S placement. ProAssurance Agency’s E&S division for Total Practice Solutions includes:

ProAssurance Specialty Insurance Company, direct or wholesale, for physicians, hospitals, entity-only, and CRNAs

Allied professional liability wholesale broker

Medmarc Insurance Group, including ProAssurance Specialty Insurance Company, direct wholesaler for products liability/clinical trials.

Miscellaneous errors and omissions (E&O) coverage for chiropractors, lawyers, medical directors, surgery centers, and other medical specialty groups

Easy access to a single-source solution is a priority at ProAssurance Agency.

Does ProAssurance have package policy or business owners’ policy (BOP)?

Yes. You can obtain both your property and liability coverage for your business’ building, property, and replacement costs through a package policy.

General liability coverage, through a BOP, helps protect against claims for damages from bodily injury, or property damage costs resulting from your business operations. General liability also includes coverage for Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) for various healthcare professionals who use medical equipment to provide patient care to your patients. *

*Medicare will provide you with a letter if you are required to carry a bond for this purpose.

Does ProAssurance have cyber liability coverage?

You can prepare for unexpected privacy breaches that may occur from the use of electronic equipment with a cyber liability policy. Privacy breaches can lead to identity theft. Third-party (cyber liability) coverage includes disclosure, content, and reputational injuries. First-party (cybercrime expense) coverage includes privacy notification expenses, crisis management, e-business interruption, and communication loss.

CyberAssurance® Plus is included in ProAssurance medical professional liability policies, except in New York or for dental clients. It provides physicians and hospitals in certain states with protection against cyber threats. ProSecure® is an extension of CyberAssurance Plus, providing physicians with higher cyber liability limits, plus coverage for errors and omissions and regulatory risk protection.

Does ProAssurance have regulatory risk protection or medefense plus?

Yes. Regulatory Risk Protection or MEDEFENSE® Plus coverage for Recovery Audit Contractor (RAC) audit findings options include:
Attorney and audit costs
Payment for potential fines and penalties
Defense costs
Civil fines
Penalty coverages:

• Health Insurance Portability and Accountability (HIPAA)
• Stark Law
• Emergency Medical Treatment and Labor Act (EMTALA) 

Does ProAssurance have management liability coverage?

Yes. Fiduciary Liability—Business owners or employers may use this policy to protect their employee benefit plan assets.

Employment Practices Liability (EPL). You can purchase coverage for alleged wrongful acts arising from employment-related claims. This management liability policy is for claims including wrongful termination, discrimination based on sex, race, age, disability, or sexual harassment.

Can ProAssurance Agency secure bonds?

Yes. Pension and Profit-Sharing Plans (401k)—Protect employee-sponsored retirement plans against administration errors or breaches of duty under the Employee Retirement Income Security Act of 1974 (ERISA) with this coverage.

Crime and Fidelity—You can protect your commercial business from losses resulting from potentially fraudulent acts, theft, dishonesty, or other criminal acts of a specific employee.

Can I call ProAssurance Agency about coverage options?

Yes, if you have questions about ProAssurance Agency’s coverage offerings or are interested in a no-obligation quote, call 844-331-6298. 

Does ProAssurance have an Overdose Prevention Program for Insureds?

• Partnering with Sure Med Compliance for responsible prescribing

The Sure Med program is available to ProAssurance insureds at no additional cost.

Sure Med recognized a point-of-care problem: To initiate or continue controlled substance therapy legally, a physician must determine and document up to 26 data points in a 5- to 10-minute office visit. This may not be feasible for busy doctors, so it may not get done. The unintended consequences may lead to poor outcomes and provider liability. 

With Sure Med’s digital health platform, the patient is evaluated electronically, and the results are delivered immediately to their Electronic Health Record. This eliminates 80% of the time needed to determine and document the necessary data points to initiate or continue controlled substance therapy.

Through our exclusive affiliation with Sure Med, ProAssurance is at the forefront of helping physicians to prescribe more responsibly, leading to better outcomes for patients. We want to encourage our insureds who regularly prescribe opioids, especially those who prescribe for chronic pain, to learn how Sure Med can help them develop and maintain safe and responsible prescribing practices, which in turn, should lead to better outcomes for their patients.

https://www.suremedcompliance.com/proassurance