April 8, 2020

Dear Doctors,

Professionals Advocate applauds your ability to persevere in the face of this pandemic and the resulting impact on your patients and practices. I join you in experiencing the current pressure and difficulty of sustaining a practice in this unprecedented time and pray for the health of all our patients. Hopefully, we will be fully engaging with them in the near future.

To provide immediate financial assistance to you and your practice, Professionals Advocate will apply a 25% “pandemic credit” for any portion of the coverage period from April 1, 2020* through December 31, 2020 on any professional liability insurance policy in force with the Company. This credit will be applied along with any existing credits included on your policy. In addition to the reduced premium, Professionals Advocate also is extending the payment date by an additional 60 days, if necessary, to pay your reduced invoice.

This is just one of several actions we have taken to help you during this challenging period. We have expanded rules for practicing telemedicine, eliminated time restrictions for policy suspensions, and frozen retirement benefit restrictions to allow retired Doctors to assist during the pandemic. For a complete and current list of changes, and for a comprehensive source of information related to the COVID-19 pandemic, please visit our web site at proad.com

Sincerely, 

George S. Malouf, Jr., M.D., FACS

Chair of the Board

*For medical policies issued in the District of Columbia and for dental policies issued in the District of Columbia and Virginia the coverage period for the pandemic credit will be applied beginning April 3, 2020 through December 31, 2020.