As a respiratory therapist, you work hard in your career and the care and treatment of your patients. A disciplinary action or malpractice lawsuit can have unforeseen consequences on both your career and financial future. While you may have professional liability insurance (malpractice insurance) through your employer, there may be limitations and you may not be fully protected. Having your own professional liability (malpractice) insurance, designed to put your interests first, is the best way to incorporate personal risk management. That's where Proliability comes in. We offer coverage that gives you peace of mind to focus on your patients with premiums* as low as $88. Coverage is available for Respiratory Care Practitioners that are employed, self-employed or own a practice. Proliability is the only sponsored program of AARC since 1986.
Read more about our risk management services and coverage details.
Find more details about the Indiana Patient Compensation Fund here.
Risk management and professional liability insurance go hand in hand. At Proliability, we recognize the importance of providing comprehensive risk management resources to our policyholders.
We have partnered with OmniSure Consulting Group, a risk management leader, to provide a host of risk management resources. Our active policyholders receive:
For more information visit our Risk Fitness® site.
Limits — up to $1/3M
The main feature of the policy that covers you up to the limits on your declarations page that you become legally obligated to pay as a result of a professional liability claim arising out of a covered incident. Limits vary by profession up to $1 million per occurrence/$3 million aggregate. When you complete a quote, the available limits based on your profession and state will be provided.
Legal Representation — Legal fees paid in addition to the liability limits
HIPAA Coverage — $25,000
Licensing Board Reimbursement — $10,000 per incident/$25,000 per policy period
Deposition Expense — $10,000 per policy period
Wage Loss and Expense — $500 per day/$10,000 per incident/$25,000 policy period
First Aid Reimbursement — $10,000 per policy period
Medical Payments — $5,000 per person/$100,000 all persons
Damage to Property of Others — $10,000
First Party Assault Coverage — $10,000/$25,000 policy period
Occurrence Policy Form
Sexual Abuse/Molestation Coverage - $25,000 sub-limit
Portable Coverage — Follows You 24/7
Optional Coverage Features
Proliability, powered by AMBA
4050 NW 114th Street
Urbandale, Iowa 50322
(7:30 a.m. to 5:00 p.m. CT, M-F)
We’re backed by a global leader in insurance brokerage and risk management, helping us provide coverage you can depend on.
Because we’re a leading provider of professional liability insurance, you can count on us to deliver solid protection and financial security.
We don't just want your business. We want to be your partner.
Hear from professionals just like you who choose Proliability for their professional liability insurance.
Liberty International Underwriters is the marketing name for the broker-distributed specialty lines business operations of Liberty Mutual Insurance.
*This is only a summary of insurance policy provisions offered in the program. Certain coverage benefits described herein may not be available in your state at the time of policy issuance, or may be available, but with differing terms and conditions. If any conflict exists between the benefits described herein and those contained in any actual policy issued, the terms and conditions of the issued policy prevail. Coverage is only bound upon underwriting acceptance. Applying and paying for coverage is not a guarantee of acceptance into the program.