Comprehensive Coverage is vital in protecting yourself and your practice from a claim. And you deserve the toughest protection available.
As an insurer created by a doctor-owned company, we understand, we understand the constantly evolving needs of our Insureds. ProAd addresses these needs by offering high quality professional liability insurance with many extras*, including prior acts, free "tail" provisions, MedGuard coverage, Risk Management premium credits and much more. Our comprehensive coverage options, combined with our aggressive claims defense and extensive risk management support, ensure that you can depend on us for your protection.
*Consult policy for actual terms, conditions and exlcusions
ProAd offers a range of high quality, professional liability insurance products for health care providers, including: Individual Professional Liability, Organization Professional Liability, Health Care Provider Group Professional Liability, Business Liability, Excess Liability and MedGuard.
Individual Professional Liability
Provides coverage for individual doctors or allied health care professionals for claims for bodily injury, property damage or personal injury arising out of acts or omissions of a professional nature and for which the Insured is legally liable.
Organization Professional Liability
Provides coverage for organizations whose professional liability exposure will be insured under a policy which is separate from that of the physicians or certain other health care professionals affiliated with the organization. It covers claims for bodily injury, property damage or personal injury arising out of acts or omissions of a professional nature and for which the Insured is legally liable.
Health Care Provider Group Professional Liability
Provides coverage for the organization and its affiliated health care professionals under the same policy. It covers claims for bodily injury, property damage or personal injury arising out of acts or omissions of a professional nature and for which the Insured is legally liable.
Provides coverage for an individual or an organization for claims for bodily injury, property damage or personal injury arising out of the Insured's premises or operations necessary or incidental to those premises.
Provides excess coverage over the primary Professional Liability Coverage Forms and the primary Business Liability Coverage Form for claims which would have been provided by the primary coverage forms except for the exhaustion of their limits of insurance.
Provides an annual aggregate limit of insurance to pay the legal expense of defending insureds against various disciplinary proceedings. For additional information, please read these MedGuard Frequently Asked Questions.
Privacy Breach Response Coverage
Comprehensive privacy breach coverage provides meaningful protection and reimbursement in the event of a loss. Click here for more information.
As with any insurance coverage, the coverage provided by ProAd, including all terms, conditions and exclusions, is set forth in your policy. The descriptions above are very brief and general and do not reflect all coverage terms and conditions. These descriptions are not a substitute for reading the policy forms in their entirety. Please check with your local Professionals Advocate broker or agent for complete information on the ProAd Policies and Coverages available in your area.
MedGuard is a defense coverage offered by ProAd that works as an adjunct to an Insured's professional liability coverage. MedGuard adds an extra layer of security beyond traditional medical malpractice coverage by helping to defray the costs associated with expensive administrative proceedings that Insureds or their professional organizations can be subject to. The annual aggregate limit of insurance for MedGuard is $25,000 for covered legal expenses.
MedGuard also includes e-dataRESPONSE, which provides substantial coverage for a variety of regulatory and legal obligations related to the breach of electronic or paper records. For more information on your e-dataRESPONSE coverage, click here.
MedGuard pays to defend you against certain administrative proceedings concerning:
Biomedical Waste Disposal
Defense for claims against the Insured alleging bodily injury or property damage arising from the Insured's disposal of biomedical waste generated by the Insured's medical practice
Wrongful Contract Termination
Reimbursement of legal costs when a court or arbitrator renders a final ruling that a health care insurer terminated the Insured's provider contract solely because the Insured advocated appropriate medical care on behalf of the Insured's patients
Office for Civil Rights
Defense for claims alleging discrimination or unequal access
Americans with Disabilities Act
Defense for claims brought by patients alleging violation of the Americans with Disabilities Act in regard to physical accessibility of the medical office or refusal to provide medical professional services to a disabled person
Payment for emergency treatment expenses, regardless of fault, for bodily injury caused by an accident arising out of care rendered by any individual Insured in the medical office
Defense in an investigation by OSHA
Hospital, HMO/PPO, and Local and State Society Peer Reviews
Defense for claims concerning activities related to peer reviews
State Licensure and Disciplinary Boards
Defense for claims initiated by licensure and disciplinary boards
Professional Review Organization
Defense for claims initiated by professional review organizations
Defense in an investigation, civil suit or administrative proceeding brought by a state or federal agency alleging improper submission of claims for Medicare or Medicaid reimbursement (commonly referred to as a RAC audit). (Excludes fraud or willful non-compliance with Medicare/Medicaid or other similar statutes, regulations or procedures).
*MedGuard also includes support from AllClear ID, a national leader in identity theft protection. In the event that your identity is stolen while you have coverage, AllClear ID will work with you to recover any financial losses and restore your credit.
A data breach can happen to anyone. Whether it's the result of an accident — a lost flash drive, an email sent to the wrong person, a discarded file — or malicious intent, you can be held liabile for the damages. These can include regulatory fines, notifying all potential victims, immediate remediation costs, responding to any claims or lawsuits resultant from the breach, and much more.
Professionals Advocate's e-dataRESPONSE+ coverage can provide meaningful protection and reimbursement in case of a data breach. In addition to helping you navigate the complex legal response of a breach and covering out-of-pocket expenses that may result from the breach, e-dataRESPONSE+ adds the extra protection of cyber liability coverage in the event of a claim or lawsuit.
First Party Liability Coverages
Key Coverage Features
- Virus and malicious code coverage
- Unauthorized access of physically lost or stolen data storage devices
- Electronic and paper records
- Payment card breach (No sublimit)
- Regulatory imposed civil fines or penalties (HIPAA)(Subject to sublimit, may not be fully covered)
Breach Notice Services Coverages
- Credit and fraud monitoring (One year)
- Expenses to comply with breach laws
- Legal services
- Forensic services
- Notice fulfillment services
- Breach notice response service
Third Party Liability Coverages
Security Breach Liability Coverages
- Virus and malicious code coverage
- Unauthorized access/use
- Breach of service provider system
- Inside criminal activity
- Denial of service attack
- Theft/loss of data on computer system
- Extra expense to recover from breach
Privacy Liability Coverages
- Theft or loss of PII
- Negligent privacy violation, Correction to PII
- Negligent privacy violation, Access to PII