Professional Liability

Professional Liability  

At a Glance

Protect yourself, your family's financial security and your career with your own individual liability coverage. Even if you have Professional Liability coverage through your employer, it may not be enough. Here's why:

  • Policy limits may not be high enough to protect you and all of your co-workers named in a lawsuit.
  • You may not be provided with coverage for lost wage reimbursement, licensing board hearing reimbursement and defense costs.
  • You may not be covered outside of the workplace, such as volunteer and part-time work.
Professional Liability Insurance

To apply for this coverage:

Tell Me More

Why You Need Your Own Insurance Coverage


If you are employed and your employer provides professional liability insurance, the questions you need to ask yourself are:

  • If I am sued, would the attorneys be my advocate or my employer’s?
  • Could a suit be settled without my written consent?
  • Would I be protected from a liability suit filed after I left this job?
  • If my employer was sued as a result of something I did could I be sued by my employer?
  • Will my employer’s policy pay for all legal expenses and damages up front?


You can’t rely alone on the liability protection provided by your employer. In fact, your association recommends that you purchase your own professional liability coverage even if you have limited coverage through your employer. Without your own professional liability protection, you could end up paying all attorney fees, court costs and loss of wages out of your own pocket.

The most responsible, skilled and experienced professionals can innocently become involved in a malpractice claim or licensing board complaint. 


To help make it easier for you to obtain individual coverage, your association sponsors a Professional Liability Insurance Plan designed just for members. Because your association understands your needs, you can be sure that this plan will give you the protection you need.

Plus, applying for your association sponsored Professional Liability Insurance Plan is convenient! Visit Proliability.com to get a no-obligation, instant quote and apply for binding coverage. Why wait? Apply Now!

Eligibility

Where Available
: Available coverages, credits and options may vary by state.

 

Notes: All association members are eligible to apply.

Contact Us

 Address
Association Member Benefits Advisors
4050 NW 114th Street
Urbandale, Iowa 50322
 Phone
1-866-795-9340
 Hours
 M-F 8a-5p CT
 Email
PLSAdmin.service@mercer.com
 Insurance Company Address
Underwritten by
Liberty Insurance Underwriters Inc.,
a member company of
Liberty Mutual Insurance.
55 Water Street
New York, New York 10041

May not be available in all states. Pending underwriter approval.

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • What is Professional Liability insurance?

    Professional Liability Insurance protects you against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. Remember, legal defense and settlement costs are paid in addition to your limits of liability.
  • Doesn’t my employer provide me with Professional Liability coverage?

    While many employers (not all) will provide some professional liability coverage, chances are that coverage may have some serious gaps, including: 

    • Policy limits may not be high enough to protect you and all of your co-workers.
    • You may not be provided with coverage for lost wage reimbursement, licensing board hearing reimbursement, and defense costs.
    • You may not be covered outside of the workplace, such as when you engage in volunteer or part-time work.
    • You may not be covered for suits filed after you have terminated your employment.
  • What would having a personal Professional Liability Insurance Plan give me?

    In the event of a lawsuit, your own Professional Liability Insurance policy would: 

    • Provide you with your own attorney
    • Pay all reasonable costs incurred in the defense or investigation of a covered claim
    • Pay you for lost wages
    • Provide reimbursement if licensing board issues were involved
    • Pay court costs and settlements in addition to the limits of liability
  • Why should I consider an individual Professional Liability Insurance Plan from AMBA?

    All the plans offered by Association Member Benefits Advisors (AMBA) are tailored specifically for each profession to meet your unique needs.

    The Plan is administered by AMBA Administrators, Inc. and is underwritten by Liberty Insurance Underwriters, Inc. AMBA has handled the insurance needs of individual healthcare professionals, schools, universities and associations since 1981. As a trusted name in the Professional Liability marketplace, AMBA has earned a reputation defined by superior products and quality service.
  • How do I apply?

    1. Click on the “Forms” tab at the right of the page
    2. Download the appropriate application
    3. Complete and return via one of the methods below:

    Email: proliability.service@mercer.com
    Fax: 515-365-3043
    Mail: Association Member Benefits Advisors
    PO Box 310179
    Des Moines, IA 50331

     

    Call 1-800-686-1172 to speak to your professional liability representative today with any questions you may have.