Frequently asked questions about Professional Liability insurance for health care professionals
Purchasing Professional Liability insurance
Coverage costs depend on several factors, including your profession, where you work, how many hours you work, whether you are employed, self-employed or a student and the limit options you select.
Begin our application to receive a quote today.
Yes, you can apply with our online application or contact Lockton Affinity Health at (800) 253-5486 with questions.
After your purchase, you will receive a certificate of insurance. If you requested certificate holders or additional insureds, these will also be included. If you would like a copy of your master policy, please email us at [email protected].
Our billing information will appear as “Lockton Insurance Online.”
While your employer may cover you for your liabilities, it’s likely limited coverage that doesn’t provide full protection for your needs. With your own Professional Liability policy, you can ensure continuous protection at the level of coverage you require.
The limit of liability on an insurance policy is the maximum dollar amount that the insurance company will pay if a claim is filed against you.
The limit of liability that you choose should correspond to the size and scope of your practice. As your professional skills grow and change, you should re-evaluate the limit of liability you carry.
Available limits for this Professional Liability policy are:
$500,000 occurrence / $500,000 aggregate
$1,000,000 occurrence / $1,000,000 aggregate
$1,000,000 occurrence / $3,000,000 aggregate
$2,000,000 occurrence / $4,000,000 aggregate
The occurrence limit is the maximum dollar amount for damages and expenses that your policy will pay for one claim. The aggregate limit is the maximum dollar amount your policy will pay in your defense per year.
If you would like help determining the best limits for you, contact Lockton Affinity Health at (800) 253-5486.
All our Professional Liability insurance policies are claims-made policies. Claims-made policies require the loss and claim to be filed within the active policy period for coverage to apply.
If you are a nurse, you have the option of selecting a claims-made or occurrence policy. Occurrence policies require the loss to occur during the active policy period, but the claim can be filed after the effective dates of the policy.
Managing and renewing Professional Liability insurance
You can also:
• Request a policy cancellation
• Request a change to the named insureds listed on your policy
• Request an address change
• Request a certificate of insurance
• Update your contact information
If you purchased your policy on 07/01/2021 or after, we will send your renewal instructions via email.
If your policy has been expired for more than 30 days, you must reapply with our online application.
Filing a claim
- Copies of incident reports, witness reports, photographs, videos and more
- Your insurance policy number
- Contact information for yourself and any claimants or involved parties