Professional Liability Insurance

Professional Liability Insurance  

OVERVIEW

Not having enough medical malpractice insurance can put your finances and even your family at risk – and now is the ideal time to make sure you're covered. You can't always depend on your employer for enough protection – which means you could end up spending thousands of your own money on legal fees. Make sure you’re covered! Get started today by first requesting an online, instant quote. Then fill out our quick and easy application to get the process rolling (don’t forget to find out if you qualify for a 10% Risk Management Credit). If you have any questions, please visit our FAQ section or call a professional liability representative at 1-800-375-2764 .
Professional Liability Insurance

Available coverages, credits and options may vary by state. All association members are eligible to apply. 
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Why You Need Your Own Insurance Coverage

If you are employed and your employer provides professional liability insurance, the questions you need to ask yourself are:

  • If I am sued, would the attorneys be my advocate or my employer’s?
  • Could a suit be settled without my written consent?
  • Would I be protected from a liability suit filed after I left this job?
  • If my employer was sued as a result of something I did could I be sued by my employer?
  • Will my employer’s policy pay for all legal expenses and damages up front?


You can’t rely alone on the liability protection provided by your employer.  Without your own professional liability protection, you could end up paying all attorney fees, court costs and loss of wages out of your own pocket.

Consider these actual board complaints1:

  1. Complaints filed against pharmacists for failing to dispense the correct prescription dosage.
  2. Board complaints have been filed against pharmacists for failing to advise of side effects or allergic reactions to medications.


The average license defense claim paid for pharmacists in 2015 was $3,862.1

 

1Recent board complaints and average claims paid are based on data from Liberty Insurance Underwriters Inc.


To help make it easier for you to obtain individual coverage,your association sponsors a Professional Liability Insurance Plan designed just for members. Because your association understands your needs, you can be sure that this plan will give you the protection you need.

Plus, applying for your association sponsored Professional Liability Insurance Plan is convenient! Visit proliability.com to get a no-obligation, instant quote and apply for binding coverage. Why wait? Apply Now!

 

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 Program Administrator Address
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-800-375-2764
 Hours
 M-F 8a-5p CST
 Email
[email protected]
 Insurance Company Address
Underwritten by
Liberty Insurance Underwriters Inc.,
a member company of
Liberty Mutual Insurance.
55 Water Street
New York, New York 10041

 

May not be available in all states. Pending underwriter approval.

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

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  • What is Professional Liability insurance?
    Professional Liability Insurance protects you against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. Remember, legal defense and settlement costs are paid in addition to your limits of liability.

  • Doesn’t my employer provide me with Professional Liability coverage?

    While many employers (not all) will provide some professional liability coverage, chances are that coverage may have some serious gaps, including: 

    • Policy limits may not be high enough to protect you and all of your co-workers.
    • You may not be provided with coverage for lost wage reimbursement, licensing board hearing reimbursement, and defense costs.
    • You may not be covered outside of the workplace, such as when you engage in volunteer or part-time work.
    • You may not be covered for suits filed after you have terminated your employment.

  • What would having a personal Professional Liability Insurance Plan give me?

    In the event of a lawsuit, your own Professional Liability Insurance policy would: 

    • Provide you with your own attorney
    • Pay all reasonable costs incurred in the defense or investigation of a covered claim
    • Pay you for lost wages
    • Provide reimbursement if licensing board issues were involved
    • Pay court costs and settlements in addition to the limits of liability

  • Why should I consider an individual Professional Liability Insurance Plan from Mercer Consumer?
    The plan is administered by Mercer Consumer, and is underwritten by Liberty Insurance Underwriters, Inc. Mercer Consumer has handled the insurance needs of individual healthcare professionals, schools, universities and associations for over 55 years. As a trusted name in the Professional Liability marketplace, Mercer Consumer has earned a reputation defined by superior products and quality service.

  • How do I apply?

    Applying is just a click away! Get a no-obligation quote and apply for binding coverage instantly at Proliability.com.



    If you prefer not to apply online, you may also request an application to be sent to your home or apply for coverage by phone. Call 1-800-503-9230 to speak to your professional liability representative today.

  • Am I eligible to purchase my medical professional liability with installments?
    Illinois Medical Professional Liability Law PA94-677, Senate Bill 475, requires insurers to implement a quarterly premium payment installment plan as prescribed by the Secretary of the Illinois Department of Financial and Professional Regulation (IDFPR). 

    Illinois Residents Only: Please contact 800-375-2764 for installment payment options.