Medical Professional Liability Insurance

Coverage for doctors, by doctors

We stand out from other medical malpractice insurance companies thanks to our physician-led Board of Directors, which guides our continual evolution. With unyielding dedication to our members, we provide robust, comprehensive coverage so you can be sure your practice is fully protected.

Cyber liability coverage is included with every policy

Our experience benefits you and your practice

Medical Professional Liability coverage can be complex with no one-size-fits-all solution. That’s why our in-house experts will help guide you through the process from start to finish. We assess every member’s unique circumstances so that we’re always designing a coverage plan that meets individual needs.

We’re proud to offer Medical Professional Liability Insurance that protects:

  • Physicians and Surgeons
  • Physician and Surgeon Groups
  • Professional Entities
  • Advanced Practice Professionals
  • Chiropractors
  • Dentists and Oral Surgeons
  • Podiatrists
  • Physical Therapists

Coverage forms and features

Optional Coverage Offerings:

Integris Group offers both Claims Made and Occurrence policy forms. Please contact Underwriting & Member Services for policy form availability by state.

  • Claims Made polices cover incidents reported during an active policy period (or during an extended reporting period or tail) as long as the incidents occur after a policy’s retroactive date.
  • Occurrence policies cover incidents with no restrictions on the reporting of a claim as long as the incidents occurred when an active policy was in force.

Deductible Programs: There are some situations when it makes sense for our policyholders to assume a deductible. Please speak to your underwriting team to learn more.

Professional Entity Coverage: This policy provides coverage for Limited Liability Corporations, Professional Corporations, S Corps, C Corps, and any other legal entities established by our policyholders.

Prior Acts Coverage: Also known as "nose" coverage, this option allows physicians to move their coverage to Integris Group without purchasing a reporting endorsement (tail) from a prior carrier. Prior Acts coverage protects physicians for any patient treatment rendered under a previous policy with another carrier that is reported as a claim after that policy terminates.

Extended Reporting Period (ERP) Endorsement (aka “Tail Coverage”): Designed to cover claims reported after your policy has been cancelled, ERPs (or tails) are recommended for purchase with Claims Made policies, at an additional cost. In the absence of a tail, you will be unable to report a claim under a cancelled policy.

Practice Status Flexibility: We’re happy to adjust your policy if your practice status should change to include:

  • Part-Time Status (80 or fewer hours of direct patient care per month)
  • Leave of Absence
  • Temporary Disability
  • Military Leave

Supplemental coverages

Every Integris Group policy automatically includes a variety of additional coverages, such as:

Cyber Liability - $100,000: We provide cyber liability limits as part of your professional liability policy with the option to purchase higher limits.

Administrative Proceedings - $100,000 (defense expenses only): We cover defense expenses when an administrative action is brought against you by a licensing agency.

Legal Defense - $100,000 (defense expenses only): We provide defense expenses to our policyholders against governmental proceedings alleging Medicare/Medicaid fraud or abuse.

Emergency Medical Expense for Patients (no-fault coverage): Get immediate assistance to help preserve the physician-patient relationship when an unanticipated event occurs. This policy feature provides coverage for out-of-pocket expenses incurred by the patient without regard to a determination of fault.

Billing Errors and Omissions: If you need to reconcile billing errors, we cover the cost of resolving claims with:

  • Governmental agencies
  • Qui Tam plaintiffs
  • Contractors working on behalf of the government
  • Commercial payers

Robust member benefits

We’re one of the few insurance companies with a team of physicians at the helm. We design member-exclusive benefits that provide personal, professional, and financial rewards, including:

  • Risk Management Programs
  • Loyalty Rewards Program
  • Emotional Support Programs
  • Administrative Support Programs
  • Dividend Program
  • And much more

Member Savings: We provide opportunities to earn premium discounts through Risk Management Education programs. Please ask your underwriter for details.

Loyalty Rewards: After five years of consecutive coverage with us (in CT and MA only), we allocate a percentage of your prior year premium to a Loyalty Rewards account, which is distributed at full retirement.

Retirement Premium (ERP) or “Tail Coverage” Waivers:

  • Members retiring entirely from the practice of medicine, who have been continuously insured for 36 months and are 55 or older.
  • Members retiring entirely from the practice of medicine, who have been continuously insured for 120 months, with no age requirement.

Flexible Payment Options:

  • Various payment options, which can be customized to meet your needs
  • No-premium finance charge with any payment type

Superior defense attorneys

You deserve the best legal protection. We partner with outstanding legal defense attorneys who specialize in medical malpractice cases. Our legal team has a proven track record of success and will do everything in its power to win your case.

EXPLORE CLAIMS

“I remain impressed with what you offer, including your personal responsiveness to my inquiries. Plus, I like the idea of having a Connecticut-based company.”

— New member, ER/Family Medicine physician