Whether You Are a New Provider, Practice Part-Time, or Prefer to Pre-Pay, We Have Discounts to Save You Money
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 to obstetrics and everything in between. We put this experience to work for you to provide the highest quality counsel for your peace of mind. We also proudly offer discounts on liability insurance for a variety of situations.
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.
Contact Us to Learn More About Available Discounts
Not all discounts can be combined
25 to 57%
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
35 to 50%
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.
7.5 to 12%
Claims Free Discount
Up to 12% discounts for physicians who are claims-free for the qualified period of time
Joint Defense Discount
This discount permits EmPRO to assign one attorney to represent co-defendants on one claim
** Only available to full-time practitioners**
Risk Management Discount
Offered to physicians for successful completion of EmPRO’s Risk Management Program.
Offered to physicians who grant EmPRO the right to settle any claims made against you without your prior written consent.
Offered to physicians who make a full annual payment prior to their due date.
10 to 15%
Risk Purchasing Group Discounts
Discounts vary by group association. Please contact our Sales Department at (833) 774-6625 for eligibility requirements and discount information.