ProAssurance Agency

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.

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.

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. It provides physicians and hospitals** with protection against cyber threats. ProSecure® is an extension of CyberAssurance Plus, providing physicians higher cyber liability limits, plus coverage for errors and omissions and regulatory risk protection.

Learn more about our cybersecurity coverages.

*Not available in New York, or for dental clients.

**In certain states.

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) 

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.

Directors and Officers Liability (D&O)—Directors or officers of an organization or company may want indemnification for losses. This may include defense costs from an alleged wrongful act in a criminal or regulatory investigation or trial during your role as director or officer.

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.

Workers' compensation insurance can provide protection for you and your employees for accidents or diseases resulting from job-related incidents. Many states require employers with five or more employees to carry workers’ compensation.