Coverage Options

HOMECoverage Options

We’ve Designed Comprehensive Coverage Options that Meet All of Your Liability Insurance Needs

It’s exactly the way a doctor would run a malpractice insurer, and it’s the philosophy on which our business is based. This approach is complemented by our expert staff, who have intimate knowledge of the range of medical specialties we insure, from internal medicine and surgery to anesthesia and obstetrics and everything in between. We put this experience to work for you to provide the highest quality counsel for your peace of mind.

EmPRO makes quality insurance affordable through a wide range of incentives including discounts for new physicians, no consent discounts, and VAP discounts. We also offer risk management courses that qualify you for premium discounts. The more you learn about EmPRO, the more you’ll realize that we offer physicians the most comprehensive coverage in New York State.

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Coverage Options

Policy Forms

Claims-Made policies cover claims for incidents that occur while your policy is in effect and are also reported while your policy is in effect.

Occurrence policies cover claims arising during your policy period irrespective of when the claims are reported.

Extended Reporting Coverage (Tail)

If you discontinue your Claims-Made policy, Tail is available to guarantee coverage for claims which are reported after the termination date, provided they are based on incidents which occurred while your policy was active.

Prior Acts Coverage (Nose)

Applicants may apply for Nose that will protect you against claims arising after your former policy has expired. This eliminates the need to purchase Tail coverage from your prior carrier.

The premium for Nose coverage is calculated by incorporating the total number of years of continuous Claims-Made coverage needed.

New York State Excess Liability Coverage (Section 18)

This additional layer of coverage of $1,000,000 per claim and $3,000,000 annual aggregate is available at no cost to the physician, provided they meet the requirements set forth by NYSDFS.

Direct Pay Excess Coverage

This additional layer of coverage of $1,000,000 per claim and $3,000,000 annual aggregate is available to physicians who do not maintain a Section 18 policy and wish to purchase an excess policy, provided they meet the requirements set forth by EmPRO.

Medical Entity Coverage for your PC, LLC, PLLC or Partnership

For an additional premium, groups can purchase coverage at the entity level for claims arising from the alleged malpractice of practitioners listed on the policy. The policy will also extend coverage to employees such as medical assistants, licensed practical nurses, technicians and nurses.

Locum Tenens Coverage

Physicians who temporarily cover for you can be covered by your EmPRO policy for an additional premium. An application for this coverage is required and the covering physician must receive prior approval from EmPRO.

Premium Discounts

New Doctor Discount

Premium discount is available to physicians who apply within 90 days of completing their residency or for those physicians beginning private practice for the first time. Claims-Made: Approximately 57% for first year, 37% second year and 25% third year.  Occurrence: 50% for the first year

Part-Time Discount

50% premium discount is offered to physicians in non-surgical specialties who work a total of 20 or less hours per week.

35% premium discount is offered to physicians in surgical specialties who work a total of 20 or less hours per week.

Claims Free Discount

Up to 12% premium discount is offered to qualified physicians.

Joint Defense Discount (VAP)

7% premium discount for agreeing to a combined legal defense.

Risk Management Discount

5% premium discount for successful completion of EmPRO’s Risk Management Program.

No Consent Discount

5% premium discount is offered to physicians who grant EmPRO the right to settle any claims made against you without your prior written consent.

Annual Pre-Pay Discount

2% premium discount is offered to physicians who make a full annual payment prior to their due date.

Risk Purchasing Group Discounts

Discounts vary by group association; please contact our Sales Department at (833) 774-6625 for eligibility requirements and discount information.

New Doctor Discount

Available to physicians who apply within 90 days of completing their residency or for those physicians beginning private practice for the first time. Claims-Made: Approximately 57% for first year, 37% second year and 25% third year. Occurrence: 50% for the first year

Annual Pre-Pay Discount

2% premium discount is offered to physicians who make a full annual payment prior to their due date.

Risk Purchasing Group Discounts

Discounts vary by group association; please contact our Sales Department at (833) 774-6625 for eligibility requirements and discount information.

Special Options (Claims-Made Policies Only)

  • Regular Suspension (One Year Max)
  • Disability Suspension (Two Years Max)
  • Moratorium (Military Leave)

Payment Options

  • Annual or quarterly billing with no finance or installment fees
  • Credit Card
  • Premium finance options

Forms and Applications

Follow through to our forms page to access our various forms and complete our online application

Forms & Applications
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