Professional Liability Insurance

Professional Liability Insurance  

OVERVIEW

How to Apply

Applying is just a click away! Start with an instant quote then apply online and get binding coverage instantly at proliability.com. Why wait? Get your personal professional liability coverage today! Apply Now!

Do you qualify for a 10% premium credit? Click here to learn more.

If you prefer not to apply online, you can download an application from the Forms tab or you can request an application by phone. Call 1-800-375-2764 to speak to your professional liability representative today.


At a Glance

Protect yourself, your family's financial security and your career with your own individual liability coverage. Even if you have Professional Liability coverage through your employer, it may not be enough. Here's why:

  • Policy limits may not be high enough to protect you and all of your co-workers named in a lawsuit.
  • 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 volunteer and part-time work.
Professional Liability Insurance

Available coverages, credits and options may vary by state. All association members are eligible to apply. 
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Tell Me More

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?
  • What if I'm called before a state licensing board?

You can’t rely alone on the liability protection provided by your employer. In fact, your association recommends that you purchase your own professional liability coverage even if you have limited coverage through 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. Patient’s alleged nurse failed to provide appropriate care and claimed nurse fell asleep at his/her workstation.
  2. Nurses were alleged to have improperly documented dispensing of narcotics or were unauthorized to dispense.
  3. A nurse practitioner’s computer was compromised and prescriptions for narcotics were issued without authorization.
  4. A patient, who was a nurse, admitted during a visit that she had been using drugs. The treating nurse practitioner filed a complaint with the board of nursing. In return a complaint was filed against the nurse practitioner for alleged HIPAA violation.

 

The average license defense claim paid for nurses in 2015 was $4,173.1

The average license defense claim paid for nurse practitioners in 2015 was $4,162.1

 

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!


Eligibility


Where Available: Available coverages, credits and options may vary by state.

Notes: All association members are eligible to apply.

The information on this site describes benefits available through this insurance program and is intended to provide a brief overview of the coverage. In the event of any conflict or inconsistency between the information on this site and the information contained in the underlying plan documents, the plan documents will in all respects control and govern. If any provision is not explained or only partially explained, your rights will always be determined under the provisions of the underlying plan documents. Insurance coverage and availability may differ by state. For complete plan details, please contact the Program Administrator, Mercer Consumer.

Contacts

 Address
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-800-375-2764
 Hours
 M-F 7:30a-5p CST
 Email
customerservice.service@mercer.com
 Insurance Company
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?

    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 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 1-800-375-2764 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). 

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