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
• Podiatrists
• Dentists and Oral Surgeons
• Chiropractors
• Physical Therapists (when insured under a physician or doctor's policy) 
• Advanced Practice Providers (when insured under a physician, podiatrist or dentist’s policy)
• Professional Entities

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) 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 (“Tail Coverage”): Designed to cover claims reported after your policy has been cancelled, ERPs 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

Our Medical Professional Liability policies can include a variety of additional coverages, such as:

Cyber Liability: We provide cyber liability coverage as part of your medical professional liability policy with the option to purchase higher limits if desired.

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

Legal Defense (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. (New York members, please contact Underwriting & Member Services Department for more information)

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
• Legacy Rewards Program
• Emotional Support Program
• 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.

Legacy Rewards: After a full year of coverage with us, we allocate a percentage of your prior year premium to a Legacy Rewards account, which is distributed upon a qualifying event, such as your full retirement from the practice of medicine.

Retirement Premium or “Tail Coverage” Waivers:

Available to: 

• Members who are fully retiring from the practice of medicine, who have been continuously insured for 36 months, and are at least 55 years old.
• Members who are fully retiring from the practice of medicine, who have been continuously insured for 120 months, with no age requirement.
• New York members, please contact Underwriting & Member Services Department for more information.

Flexible Payment Options:

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