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How Doctors and Lawyers can Extend a Professional Liability Policy

The Problem

If you are a physician or an attorney –or anyone else who requires Professional Liability insurance (PLI, also known as professional indemnity insurance (PII)) – you may have a problem once your policy period ends. Why?

In most cases, Professional Liability policies require that a claim is made and reported during the term of the policy. If you are sued after the policy’s termination date – EVEN IF IT IS IN REFERENCE TO AN INCIDENT THAT OCCURRED WHEN YOU WERE UNDER THE POLICY – you will not be covered.  

The Solution

PRIME Insurance now offers PLI or PII, including Malpractice Insurance and Errors and Omissions (E&O) insurance by The Hartford that gives you more protection.



Extended Reporting Period (ERP) by The Hartford

  • Extends the period of time, after coverage ends, during which a claim can be reported and still considered eligible for coverage
  • Helps provide coverage for the gap

Defense costs certainly can add up quickly. With this coverage, your defense costs do not reduce the Professional Liability coverage limits. That leaves you with more money for a settlement or judgement. The result is that you reserve coverage limits for coverage awards instead of using them up on defense costs for the claim. 

Why are doctors, lawyers and other professionals buying this insurance?

Tailored Coverage+ Extended Reporting Period + Defense in addition to limits = uniquely great coverage

One Policy + one Bill = Unbeatable Convenience


For more answers to your professional insurance concerns, visit PRIME Insurance Agency.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With thousands of satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate customized policies at competitively lowest quotes.

PRIME Insurance provides all forms of nationwide coverage, including NJ travelers insurance, cheap auto insurance, low quote commercial umbrella insurance NJ,  flood insurance, NJ renters insurance, Houston, TX property insurance, NJ homeowners insurance, NJ bonds, NJ workers comp, NJ life insurance and more. We invite you to experience the PRIME difference! Visit us on our online
insurance website; email us at PRIME [at] primeins [dot] com or call us at 732-400-5242!



Doctors, lawyers and other professionals require more than general liability. They also need Professional Liability Insurance. But there's a problem with coverage time span.


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