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Malpractice Coverage with Competitive Premiums

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Providing reimbursements for lost wages and licensing board defense costs

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Filling insurance gaps with occurrence-based coverage

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Malpractice Insurance for Physicians
Physicians are typically at the heart of a malpractice lawsuit, and according to the American Medical Association, more than 60% of physicians over age 55 have been sued at least once. As a physician, your career is at risk of a malpractice lawsuit that could be financially devastating. With limitations on your employer’s insurance that you may not be aware of, you could find yourself owing thousands of dollars in your own defense when that coverage fails.

Why You Need Your Own Professional Liability Insurance
Consider the likely gaps in your employer’s malpractice insurance that are leaving your career exposed:

  • Claims-made insurance that doesn’t cover suits filed after you have terminated your employment
  • Policy limits that may not be high enough to protect you and all your co-workers
  • Coverage that may not be included for lost wage reimbursement, licensing board hearing reimbursement and defense costs
  • Coverage that likely doesn’t extend outside of the workplace, such as when you engage in volunteer or part-time work

Check out the Coverage Details tab to learn how a personal professional liability plan from Proliability can cover these gaps with superior coverage at an affordable rate.

Why Proliability Coverage is the Right Choice
Proliability is proud to offer you comprehensive coverage with competitive premiums – we don’t believe you should have to skimp on coverage to make it affordable for you. Our Physicians’ Professional Liability Insurance offers the following:

  • Occurrence-based Insurance: If a claim is made against you after you’ve left a job and are no longer covered by your employer’s claims-made insurance, our occurrence-based insurance protects you
  • Your Own Defense: Your own attorney to protect your best interests in a lawsuit
  • Lost Wage Reimbursement: Reimbursement for any work days missed in your defense
  • Court Costs Coverage: Payment of court costs and settlements in addition to the limits of liability
  • Licensing Issues Reimbursement: Coverage of licensing board issues, even if a malpractice suit isn’t filed

Learn More about Professional Liability Insurance for Physicians and Healthcare Professionals

Learn more about our malpractice insurance for Physicians and Healthcare Professionals, including how much coverage you need and how to choose a deductible that’s right for you. If you have further questions, please give us a call at 1-800-523-9345 ext. 425 and speak to a professional liability representative today.

Illinois Medical Professional Liability Law PA94-644, 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 Regulations (IDFPR).

If you practice in the state of Illinois and your annual medical professional liability premium is over $500, please visit for information regarding installment payment options.

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 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.

Applying is just a click away! Get a no-obligation quote and apply for binding coverage instantly by clicking on the "Get a Quote" button.

If you prefer not to apply online, you may also request an application to be sent to your home. Call 1-800-523-9345 ext. 425 to speak to your professional liability representative today.

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.

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.


All the plans offered by Mercer Consumer are tailored specifically for each profession to meet your unique needs.

The plan is administered by Mercer Consumer and underwritten by Liberty Insurance Underwriters Inc., a member company of Liberty Mutual Group. Mercer Consumer has handled the insurance needs of individual healthcare professionals, schools, universities and associations since 1949. As a trusted name in the Professional Liability marketplace, Mercer Consumer has earned a reputation defined by superior products and quality services.

How can we help?
Please let us know of any questions or concerns you have. We want to make sure you completely understand your coverage through Mercer Consumer and how it can benefit you.

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PO Box 14576
Des Moines, IA 50306

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