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 1-800-503-9230 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.

Why You Need Your Own Insurance Coverage
 

The most responsible, skilled and experienced Allied Health professional can innocently become involved in malpractice claims. Consider this real-life claim made against an OR Nurse:

A registered nurse works as an independent contractor at a medical center as a circulating nurse in the OR. The patient had an abdominal colectomy and temporary ileostomy. The RN was in charge of the sponge count. She told the surgeon and the operating team that all sponges were accounted for. 

During a second surgical procedure to reverse the temporary ileostomy, the surgeon found a sponge from the first surgery. Due to risk of infection, the surgery was terminated, necessitating a third surgery, during which the plaintiff suffered complications. 

The patient sued the medical center for damages caused by the missed sponge. In turn, the medical center sued the RN since an accurate sponge count was her responsibility.

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. 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.

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.

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