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.
Your clients’ medical professional liability insurance is made simpler with dozens of risk resource services. Insureds have access to sophisticated loss control services and risk resource tools, including:
Risk Resource Advisors are easy to work with and help you increase the control you experience.
*A fee may apply
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. Our Treated Fairly® commitment means insureds experience:
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.
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:
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.
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 ESL@ProAssurance.com.
To report a claim, please call our toll-free Claims Intake Hotline at 877.778.2524 or email ClaimsIntake@ProAssurance.com.
ProAssurance Group (ProAssurance Indemnity Company, Inc., ProAssurance Casualty Company, ProAssurance Specialty Insurance Company, and ProAssurance American Mutual) is rated “A+” (Superior) by A.M. Best.
If you are an insuring entity, you can find additional success from pairing with ProAssurance—as the Cooperative of American Physicians, Inc. (CAP).