Physicians and Physician Groups

Professional liability for physicians can take many different approaches, depending on the size of your group and other important factors. ProAssurance is committed to helping you access the single-source solution you want with as much ease as possible—all while pledging to treat you fairly.

As a ProAssurance policyholder, you can expect us to respect your important identity and provide tools to help you experience more control and less uncertainty. With the medical environment’s rapid change, insureds benefit from our vigilant, consistent approach.  

Not all policies are the same. The importance of an insurer’s financial stability and defense approach cannot be overstated. You are counting on your insurer to be there when you need them, so consider approaching your purchasing decision with the same diligence and care you deliver to your patients.

You can choose from a spectrum of ProAssurance solutions from simple to sophisticated, all with our deep expertise. These solutions enable you to choose a strong fit from a variety of traditional, risk sharing, program, and alternative risk options. Most are underwritten by a ProAssurance Group company, rated A+ (Superior) by A.M. Best. Our roots insuring physicians go back to 1976.

Traditional Approaches

Many small-group physicians still favor first-dollar coverage or deductible options. And some physician’s circumstances require excess and surplus lines coverage. Even these more traditional approaches provide you with variety of choices that your ProAssurance agent or sales representative is happy to explain.

Risk Sharing Programs

Our large-group options present the opportunity to share risk and realize a reward for good outcomes according to the level of risk you assume. These include ProControlsm, retrospective rating programs, fronting for self-insured retention programs, quota sharing, loss sensitive programs, and risk purchasing groups. Risk purchasing groups currently underwritten by ProAssurance include the Ob-Gyn Risk Alliance, CAPAssurance and Certitude (for physicians affiliated with Ascension health ministries). Your ProAssurance agent, broker or sales representative is happy to discuss these options.

Alternative Risk Programs

Very large physician groups may want to consider a turnkey captive solution through our Inova program—or desire complex risk valuation solutions or a loss portfolio transfer program. Your ProAssurance agent, broker or sales representative is happy to discuss these options.

No matter how many physicians are in your group or how unique your situation, ProAssurance has a single-source solution to help you address your medical professional liability and related risk.