The Policy with Proliability, underwritten by Liberty Insurance Underwriters, Inc. does not exclude telehealth/telemedicine services. For practitioners electing to provide professional services via telehealth/telemedicine, it is the responsibility of each practitioner to ensure that they are lawfully providing professional services and meeting the requirements outlined by their professional state or federal licensing or regulatory boards and practicing within the profession’s scope and standards of practice.
We have compiled a list of risk management resources including a telehealth/telemedicine brief.
Practice Questions - Return to Work
We understand practitioners may have questions or concerns regarding the state and/or federal guidelines about the Coronavirus that causes COVID-19, and what impact the guidelines may have on insurance coverage. This is a particularly pressing issue as some states are resuming elective procedures, even though the CDC and others recommend not resuming these activities. Insurance companies have no special insight into the standards of practice and the scope of your license that are established by healthcare industry regulators, and we are awaiting clarity from the regulators on these issues just the same as you are. That said, we can share the following information about insurance coverage for you to keep in mind in the interim:
If you have questions regarding licensure or practice issues, including what impact federal guidance may have on your ability to practice in a given state, our recommendation is to contact the State Licensing Boards in the state(s) where you practice.
What is professional liability?
Will my employer’s insurance cover me?
While many employers (not all) provide professional liability coverage, many have coverage gaps, including:
How long is the policy term?
Is coverage available immediately?
What is the difference between a claims-made and an occurrence policy?
The terms refer to the type of coverage you have, which may affect when you are able to report a claim on your policy:
Claims-made: A claims-made policy will provide coverage only if the policy is in effect when the incident occurred and the lawsuit is reported. An Extended Reporting Period — or Tail Coverage — may be purchased to extend the reporting period after the policy ends.
Occurrence: An occurrence policy covers any incident that occurred during the policy period even if a claim is reported after the policy has expired.
All Allied Health products offered are written on an occurrence coverage basis.
Do I need a Self-Employed or Employed policy?
These definitions will help you determine which type of policy you need:
Employed: The applicant receives a W-2 and is not an owner of the legal entity that issues the W-2. The employed individual should receive their primary malpractice coverage through his/her employer. Note: If an employer does not purchase insurance or their policy does not provide coverage to the employee, the applicant is subject to the self-employed rate.
Self-employed: The applicant is an individual professional who functions full- or part-time as an independent C6 with private patients, a 1099 employee or an applicant who does not receive primary malpractice coverage through his/her employer. An individual professional who is a sole owner of a business/corporation, such as an LLC with no employees or independent contractors, may qualify for the self-employed status with the business listed as an additional insured at no additional charge.
What does my policy cover?
What does per-occurrence/aggregate limits mean?
What coverage limits are available?
I’m employed but also work on my own 10 hours per week. Do I need separate coverage?
Does the policy include coverage for sale of products?
Is coverage available for students?
Should students carry their own individual professional liability policy?
Can a school/university obtain one policy to provide coverage for all students?
Do you offer coverage for a small practice/group?
Does my professional liability policy provide coverage for damage to my property?
How do I apply for a new policy?
For individuals and students, the fastest way to apply is online, but you have a few options available:
Online: Find your profession, select “Get a Quote” and follow the prompts. You will receive a quote once all questions have been answered, provided additional underwriting is not necessary. You can then accept the quote and bind coverage by paying with your credit card or checking account.
Paper: Access the online application as you would online. If you prefer to print the application, choose the “Print on Demand” option. Return the signed and dated application with payment.
By phone: Call our sales team at 1-800-375-2764 to apply by phone.
For groups: Please select your profession to get a quote, or call our sales team at 1-800-375-2764 to discuss your options.
How do I renew my policy? I do not have any changes.
How do I renew my policy? I have changes.
I did not receive my renewal premium invoice, when will I receive it?
What happens after I graduate?
I need help logging in to My Account, or I forgot my username, password or security question.
Please re-register your account following these steps:
What payment options are available?
The following payment options are available:
Credit card: Pay online by Mastercard, Visa or American Express. An encrypted payment will be provided to Mercer to pay for your policy or requested change.
Check, certified check or money order: Mail your payment with your invoice or letter requesting payment. You may also pay online and pay using your checking account.
Finance through AFCO: Premiums of $750.00 or more may be financed and are subject to an APR%. Please be advised a down payment, installment(s) and a signed contract are required. The contract reflecting the required fees will be provided upon request. New applicants can request financing by calling 1-800-375-2764. Renewal applicants should write AFCO on your premium invoice and return it to our office.
How do I add an authorized individual on my account?
RPG Fee Explanation
I have Employed Individual coverage, but need to cover for work performed as Self-Employed (1099).
I have Self-Employed Individual coverage, but need to cover for work performed as Employed (W-2).
I have Self-Employed Individual coverage, but need to add employees/independent contractors/owners.
Do I need to change my policy?
Yes, Self-Employed Individual coverage is for the Named Insured only. Group practices require underwriting review. An Indication of Premium may be available for some of our eligible professions by clicking here to select your profession. If “Group” does not appear in the Get a Quote section, an Indication of Premium is not yet available. Please call 1-800-375-2764.
I have Practice or Group coverage, I need to make a change to my staff. How do I do that?
How do I change my name or address?
How do I cancel my policy?
How do I report a claim or disciplinary action?
If you are named in a lawsuit, if an incident has occurred that you believe may lead to a claim, or if a complaint has been made to your licensing board, please send a written request by email to MercerClaims@libertyiu.com, or mail it to:
Liberty International Underwriters, Inc
Attn: Mercer Claims
28 Liberty Street, 4th Floor
New York, NY 10005
If you would like to speak with someone regarding your matter, call 1-855-511-8097.
What do I need to know when filing a medical incident report?
What is the risk management program?
How do I access the risk management program?