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At Proviser, we understand that being your own boss has its advantages. But what would happen if you were threatened by a civil litigation or malpractice suit? With the increase in litigation within the industry, it's important to be confident and secure in the future of your business, so that you can focus on what you do best.

Occurrence Policy

Occurrence policies offer guaranteed protection during the course of your career and through retirement (regardless of when a claim is filed). This is true whether the claim was made after the policy period expires or after you stop practicing. As a result, we find that most of our clients elect these more comprehensive policies, touting the freedom and confidence that they can bring.

It is important to note that occurrence policies can allow flexibility to move to another state, region, or jurisdiction, or even take extended time off, such as in the event of pregnancy, without purchasing additional coverage. For some, this is an important benefit.

Claims-Made Policy

Claims-made policies are another alternative for our practicing physicians and dentists. In essence, their protections and limitations are based on when the claim is made. Upon retirement, the coverage will expire unless the insured elects to purchase an extended endorsement for prior acts. Please note that most policies are jurisdictional in nature; for example, if you move to another location you may need to purchase different coverage.

In addition to claims-made and occurrence policies, Proviser offers step-into occurrence policies for new or graduating students or residents, as well as convertible policies for established professionals who may want to convert from a claims-made to an occurrence form. Whatever you choose, we understand the myriad of options available, and will help you to choose one that protects you and your way of life- not only today, but well into the future.

No matter in what state you reside, our professionals can help you choose the coverage that's right for you.

Proviser Financial and its subsidiaries do not endorse or have any direct or indirect responsibility with respect to this activity.