- About Us
Our financial reward program recognizes your commitment to quality medicine.
Learn More - Coverages
e-dataRESPONSE+ Cyber Liability Coverage provides critical protection in case of a breach.
Learn More - Claims
If you have been contacted by an attorney regarding your care of a patient, read this now
Learn More - Risk Management
- Risk Management OverviewOur risk management philosophy
- Resources/SearchSearch our comprehensive library
- Education ProgramsRegister for a risk management program
- Security Risk AssessmentEvaluate the security of your practice
- AlertsAlerts issues by medical organizations
- Practice Self-Assessment SurveyTake the practice self-assessment survey
- Risk Management FAQCommon Questions about Managing Risk
- Med-RiteLearn more about Med-Rite
- PodcastsListen to risk management podcasts
Our Risk Management education programs provide CME Credits and premium discounts. Register today!
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Browse our comprehensive research library for information on HIPAA, EMR, claims, and much more
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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.
ProAd understands the threat an unwarranted lawsuit can pose to your career. For more than 20 years, we have been dedicated to defending the reputations and practices of the Dentists of Virginia, Maryland and Washington, D.C. We have the most experience with the unique dento-legal environment of this region, and we keep our fingers on the pulse of its constantly evolving professional liability requirements in order to aggressively pursue protections for our Doctors against newly emerging threats.
We offer a range of professional liability policies and "extra" coverages to provide you and your practice with comprehensive protection:
- Individual dental professional liability coverage
- Group professional liability coverage
- Business liability coverage
- Excess liability coverage
- e-dataRESPONSE+ cyber liability coverage
- MedGuard legal defense coverage
- ETE coverage
- Prior acts coverage
- Tail coverage
For more information about these coverages, please review our Policies & Coverages.
You deserve a professional liability policy with comprehensive coverage that meets all your needs. ProAd is proud to offer a full range of high quality, professional liability insurance products for health care providers.
We recommend you consult with your Insurance Agent when selecting the policy that is right for you.
Coverages
Individual Dental Professional Liability
Provides coverage for individual Dentists 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.
Learn about Claims-Made Step Increase Policies
Learn about our Tail Coverage
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.
e-dataRESPONSE+ Cyber Liability
Comprehensive privacy breach coverage provides meaningful protection and reimbursement in the event of a loss. Learn more about e-dataRESPONSE+
Important Note
As with any insurance coverage, the coverage provided by Professionals Advocate, 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 producer for complete information on the Professionals Advocate Policies and Coverages available.
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 quartely 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.
Coverage
MedGuard pays to defend you against certain administrative proceedings concerning:
Privacy Breach Coverage
A data breach can happen accidentally or on purpose — through stolen or lost laptops or portable storage devices/drivers, a hacked web site or computer, discarded but still readable records, employee error or malicious intent. No matter how the breach occurs, you are legally responsible for the consequences.
These can include regulatory fines, notifying all potential victims, immediate remediation costs, responding to any claims or lawsuits resultant from the breach, and more. That's why ProAd offers two levels of data breach protection. e-dataRESPONSE privacy breach coverage is included in MedGuard legal defense coverage. It provides substantial coverage for a variety of regulatory and legal obligations related to the breach of electronic or paper records.
For more information on our MedGuard legal defense coverage, click here.
e-dataRESPONSE is here to help you navigate the complicated legal response to a data breach and cover payment, on behalf of the Insured, for out-of-pocket expenses including:
- Legal services to respond to or defend an insured event
- Computer security consultant services to determine the cause and extent of a data breach for which the Insured has legal responsibility to provide notification or mitigation
- Legal defense against a civil action brought by someone alleging damages due to a privacy breach
- Fines or penalties by a government agency due to the privacy breach
- Fees and other expenses the Insured becomes legally obligated to pay to implement credit monitoring or other mitigation for persons affected by the breach of private information
For Even Stronger Protection
A privacy breach can expose one file or millions, and the expenses involved in a breach can be huge. For more comprehensive breach response including cyber liability protection, ProAd offers e-dataRESPONSE+. For more information on e-dataRESPONSE+, click here.
A data breach can happen to anyone. Whether it's the result of an accident — a lost flash drive, an email sent to the wrong person, a discarded file — or malicious intent, you can be held liable for the damages. These can include regulatory fines, notifying all potential victims, immediate remediation costs, responding to any claims or lawsuits resultant from the breach, and much more.
Overview
Professionals Advocate's e-dataRESPONSE+ coverage can provide meaningful protection and reimbursement in case of a data breach. In addition to helping you navigate the complex legal response of a breach and covering out-of-pocket expenses that may result from the breach, e-dataRESPONSE+ adds the extra protection of cyber liability coverage in the event of a claim or lawsuit.
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