At EmPRO, our team takes pride in our relationships. With decades of experience in medical liability litigation, and a commitment to leveraging technology, EmPRO provides the highest quality service to our policyholders.
EmPRO is committed to supplying healthcare providers with the best products and services at excellent rates.
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Available Discounts
Not all discounts can be combined
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
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% 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 claims
** Only available to full-time practitioners**
Risk Management Discount
Offered to physicians for successful completion of EmPRO’s Risk Management Program.
No Consent Discount
Offered to physicians who grant EmPRO the right to settle any claims made against you without your prior written consent.
Annual Pre-Pay Discount
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.
Coverage Options
EmPRO offers a variety of coverage options to best serve your practice needs.
Choose either a claims-made policy or an occurrence policy
Claims-Made Policy
Covers claims for incidents that occur while your policy is in effect and are also reported while your policy is in effect.
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 PRI.
Occurrence Policy
Cover claims arising during your policy period irrespective of when the claims are reported.
Modified Claims-Made (also know as Occurrence Plus)*
These policies provide coverage on a claims-made basis and include prepaid extended reporting coverage (Tail).
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.
Administrative Action Legal Representation Coverage
At no additional cost, EmPRO policies include up to $25,000 coverage for fees related to legal representation, subject to certain limitations, in connection with administrative actions brought against the Insured by a government body organized for the purpose of maintaining standards of conduct and competence.
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Applying for coverage with EmPRO is easy.
EmPRO insurance has a fully digitalized electronic application.
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