Custom Physicians

Medical Professional Liability Insurance

You can expect innovative liability solutions for emerging healthcare classes of risks with diverse needs. Think telemedicine, virtual medicine, locum tenens, emergency medicine, multi-state, multi-specialty, risk sharing, and more. The Excess & Surplus (E&S) division provides single-source solutions for your physician and healthcare clients seeking alternatives to the standard market medical professional liability coverage.

Physicians, physician groups, and medical facilities are considered based on their unique attributes and requirements. The E&S lines division works with approved wholesale and national retail brokers to find customized coverage options. Solutions may include varying levels and structures of coverage to suit your clients’ needs. These include consent to settle, tail coverage, defense costs, self-insured retentions and deductibles, incident reporting, and more.

When you place an E&S client with ProAssurance, coverage is underwritten with a history of experience, expertise, and financial strength. We strive to make it easier for you to do business with us.

Risk Management Services

Your clients’ medical professional liability insurance is made simpler with dozens of risk management services. Insureds have access to sophisticated loss control services and risk management tools, including:

  • On-site risk management assessments*
  • Real-time answers and information from our advisors by phone or email
  • Informative seminars and in-service training*
  • Timely newsletters, publications, and online tools and resources
  • Re-entry program* designed to help healthcare professionals transition back into the standard market

Risk Managment Consultants are easy to work with and help you increase the control you experience.

*A fee may apply

Reentry Program Option

Insureds who wish to enter the standard medical professional liability market can apply for the reentry program through PRA Services Corporation. The program includes a review of your client’s practice of medicine. Participation is based on a program fee, personal interview, written documentation, and other factors.

Your clients’ participation and satisfactory compliance with ProAssurance’s recommendations enable us to consider your client for the standard market, but do not guarantee placement in the market. Discuss this program with your clients to help them determine if it’s the right track for them.

If we determine your client has satisfactorily completed the program, the appropriate ProAssurance company will offer your client coverage.* Choose an insurer who listens, understands, and delivers a program that can help you be readmitted to the standard market.

For more information, call us toll-free at 800-282-6242.

*Any offer of insurance coverage is subject to filed and approved rates, rules, and forms for admitted carriers or applicable regulations for E&S carriers.

Claims Handling

Your clients can count on being heard from Claims Specialists that work closely with insureds, listening to their important input and developing a personalized defense strategy. You can feel confident that our defense is consistent with policy selection, physician needs, and medical-legal environments. Insureds can expect us to listen, understand, and ensure efficient claims handling—all with your important input. Insureds experience:

  • Effective claims management
  • Respect from our experts who listen and interpret professional challenges
  • Knowledge of flexible or alternative options to address your practice needs and give you more control
  • Methods for adapting to changing risk environments
  • Easy access to risk management services to help reduce risk exposure

We carefully assess every submission. Our early involvement and assessment help ease stress and are important elements in our strategy to maximize the fairness our insureds experience.

Financial Strength

To ensure stability and sound investments for you and your clients, independent insurance rating agencies assess our financial strength regularly. ProAssurance Companies at-a-glance:

  • Protects 78,000+ policyholders (as of 2019 NAIC filings)
  • Possesses financial strength to pay meritorious claims promptly; rated A (Excellent) by AM Best
  • ProAssurance Corporation holds approximately $4.8 billion in assets and $3.3 billion in liabilities (as of 2019 NAIC filings).

When operating as a surplus lines insurer, ProAssurance companies do not participate in state guaranty funds. ProAssurance Group has the financial strength to operate efficiently for your medical professional liability needs and protect you and your clients from risk exposure.




Contact Us

Excess & Surplus Lines Division
P.O. Box 590009
Birmingham, AL 35259-0009


If you have questions about E&S coverage or would like to send a submission, email

Custom Physicians Flyer

Custom Physicians Flyer

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Report a Claim

To report a claim, please call our toll-free Claims Intake Hotline at 877-778-2524 or email

Financial Strength

ProAssurance Group (ProAssurance Indemnity Company, Inc., ProAssurance Casualty Company, ProAssurance Specialty Insurance Company, and ProAssurance American Mutual) is rated A (Excellent) by A.M. Best.