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Learn More - Coverages
e-dataRESPONSE+ Cyber Liability Coverage provides critical protection in case of a breach.
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If you have been contacted by an attorney regarding your care of a patient, read this now
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Coverages
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 exclusions
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.
Coverages
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.
Business Liability
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.
Excess Liability
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.
MedGuard
Provides an annual aggregate limit of insurance to pay the legal expense of defending insureds against various disciplinary proceedings. For additional information, click here.
Privacy Breach Response Coverage
Comprehensive privacy breach coverage provides meaningful protection and reimbursement in the event of a loss. Click here for more information.
IMPORTANT NOTE
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.
Payment Frequency
ProAd will send you quarterly invoices for your premium with a minimum payment due for that quarter. You may make partial payments on your premium at any time, as long as the minimum due on your invoice is paid by the due date indicated. Payments received prior to an invoice and between quarterly billings will be reflected on the following invoice and the minimum due will be adjusted accordingly.
If you prefer, you may also pre-pay your entire yearly premium at the beginning of the year.
Payment Methods
We accept several payment methods:
- Automatic Payment Plan — The most convenient option. On the due date shown on your invoice, ProAd will automatically charge your minimum payment due to your credit card (payments will be processed on the next business day if the due date falls on a weekend). Log in to your account to set up an automatic payment plan using a Visa, MasterCard or American Express credit card. Note: you will continue to receive invoices stating that you are on the Automatic Payment Plan.
- Online — Log in to your account to submit your payment using a Visa, MasterCard or American Express credit card, or via direct debit from your bank account. You may also make payments via your personal bank's Pay Bill option (you MUST include your policy and/or customer number as a reference when paying through your personal bank's payment portal).
- Mail — You may choose to complete the "Credit Card Payment" portion of your invoice and mail the completed section to our P.O. Box.
Please note: We ask that when you send payment, you refrain from including additional correspondence related to your policy. And questions or underwriting-related changes, such as change of address or notification of policy change, should be sent to our office separately or by contacting your Producer.
Discounts
If you meet any of the criteria below, you may be eligible for a discount. Contact your Producer or the ProAd Customer Service Department (800-492-0193) for more information.
Claims Free Discount
Provided to qualified Insureds who have been claims free and in private practice for five full years.
New Doctor Discount
Provided to qualified Insureds who have been in practice for less than two years.
Risk Management Discount
Provided to Insureds who have completed a risk management program offered by the Company in the year preceding the renewal policy. Applied at renewal.
Part-Time Discount
Provided to Insureds who have structured office hours that are less than 30 hours per week.
Government Employee Discount
Provided to Insureds who are currently working for the federal state, or local government.
Pre-Payment Discount
Provided to Insureds who pay their premium in full, prior to the renewal date.
Overview
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 $50,000 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 e-dataRESPONSE+ coverage, click here.
Coverage
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
Emergency Treatment
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
OSHA
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
RAC Audit
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.
Given the extensive amount of personal data in medical records, health care providers are in the crosshairs of super hackers. e-dataRESPONSE+ is a cyber liability coverage that protects you whether a data breach at your practice is the result of an accident — a lost flash drive, an email sent to the wrong person, a discarded file — or malicious intent.
Hallmarks of e-dataRESPONSE+
- Affordable. Especially considering the average cost of a data breach is nearly $500 per patient record.1
- Comprehensive. We provide the expertise and resources needed to assist you through a privacy or security breach.
- 3 Limits Available. Doctors have the option to buy $250,000, $500,000 and $1,000,000 limits.
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
Protect your practice from accidental or malicious privacy breach. Contact your Insurance Agent or ProAd directly at 800-492-0193.
References
- “Cybersecurity: The Hidden Health Tech Crisis No One’s Talking About.” HIT Consultant magazine. July 15, 2021. https://hitconsultant.net/2021/07/15/cybersecurity-hidden-health-tech-crisis/#.YPA5C-hKhaR