Save on your premium through EmPRO’s extensive premium discount offerings.
Available Discounts:
- Claims/Loss Free
- Employee Coverage Discount
- New Doctor
- Part-time
- Joint Defense
- Annual Pre-pay
- Risk Management
- No Consent
- Eligible Risk Purchasing Groups
- Discretionary Discounts
- Limited Delivery Credit
Not all discounts can be combined. Discount availability and percentages may vary by state.
Save on your premium through EmPRO’s extensive premium discount offerings.
Available Discounts:
- Claims/Loss Free
- Employee Coverage Discount
- New Doctor
- Part-time
- Joint Defense
- Annual Pre-pay
- Risk Management
- No Consent
- Eligible Risk Purchasing Groups
- Discretionary Discounts
- Limited Delivery Credit
Not all discounts can be combined. Discount availability and percentages may vary by state.
Product Benefits
Availability may vary by state
- With exceptional savings through our premium discount program, EmPRO offers competitive premiums in virtually every specialty.
- Part of a group? EmPRO offers rate and form flexibility to qualifying groups and a streamlined application process for group practices.
- Claims-Made, Occurrence, and Modified Claims-Made coverage options.
- General Liability coverage available for your entity when you purchase Professional Liability coverage.
- Coverage for your medical director, partnership and corporation, ambulatory surgery center, and others.
- Coverage for administrative (disciplinary) actions at no additional cost.
- Aggressive claims handling by a dedicated & experienced claims team.
- Coverage options for the entire healthcare team.
- Acess to actionable insights through the Candello MPL data coding collaborative.
- Access to our award-winning risk management programs.
- Free consultation services with EmPRO’s risk management experts and attorneys.
- Full suite of online policy management tools through EmPRO’s Client Portal.
- Free one-to-one and group peer support.
- Access to EmPRO Physicians’ Club events.
EmPRO offers a variety of coverage options to best serve your practice needs
Coverage Options
Claims-Made Coverage
Provides coverage for incidents that occur after the retroactive date and which are reported to EmPRO during your active policy, or any extended reporting period.
Occurrence Coverage
Provides coverage for incidents that occur during your policy period irrespective of when the claim is reported.
Modified Claims-Made Coverage (Not available in New York)
Provides coverage on a claims-made basis with an automatic prepaid extended reporting coverage (Tail). Also known as Occurrence Plus.
New York State Excess Liability Coverage (Section 18)
An additional $1,000,000 per claim / $3,000,000 annual aggregate limit of coverage excess of your primary limit is available at no cost to qualifying eligible physicians through New York State.
Direct Pay Excess Coverage (*Only available in New York)
This additional layer of coverage of $1,000,000 per claim / $3, 000,000 annual aggregate is available to physicians who do not maintain or qualify for NY Section 18 Excess coverage and wish to purchase an excess policy.
*Increased primary limits of liability are available to policyholders in Connecticut, Pennsylvania, and New Jersey.
Medical Entity Coverage for your PC, LLC, PLLC, or Partnership
Coverage is available to insure your entity, its members in their capacity as such, and non-physician employees of the entity for their respective acts and omissions. It also covers the entity and its members for their vicarious liability arising from the alleged acts and omissions of others.
Administrative Action Legal Representation Coverage
At no additional cost, all EmPRO medical professional liability policies include up to $25,000 in coverage for fees related to legal representation, subject to certain limitations, in connection with administrative disciplinary actions.
