Explore Policy Types
EmPRO offers a variety of policy types to best serve your practice needs.
Policy Forms
Premium Discounts:
Physicians may qualify for premium savings through EmPRO’s extensive discount offerings. Discount rates vary by state.
Up to 38% Claims Free
You may be eligible for a discount if you’ve maintained a claims-free record during the qualifying period, subject to applicable regulations.
Up to 7.5% Risk Management Discount
Successful completion of EmPRO's, or any New York State-approved risk management course. MyEmPRO.com.
Up to 5% No-Consent Discount
If you grant EmPRO the right to settle any claim made against you without your written permission to do so.
Up to 75% New Doctor Discount
EmPRO offers reduced rates to new physicians working more than 20 hours a week.
Get Covered with EmPRO
Protection made simple.
Get a Quick Quote
Just exploring your options? Use our Quick Quote tool to get an instant estimate. Fast and easy insight into your potential coverage.
Apply Online (NY Only)
Ready for coverage? Apply online in just a few simple steps—fast, secure, and tailored to your need. A streamlined process from start to finish.
Download an Application
Prefer to fill out your forms offline? Download the Physicians and Healthcare Provider application to complete at your convenience and submit by email or mail.