Customer Service FAQs

While many employers (not all) provide professional liability coverage, many have coverage gaps, including:

• Policy limits that are not high enough to protect you and your coworkers.
• Coverage does not include lost wage reimbursement, licensing board hearing reimbursement and defense costs.
• Volunteer or part-time work outside of your workplace may not be covered.
• Suits filed after you have terminated your employment may not be covered. 

Most of our policies are issued a full 12-month annual term and the quote you receive online is the total due for the 12-month term with the exception of our Student and Student Blanket policies which offer Multi Year policies.

The terms refer to the type of coverage you have, which may affect when you are able to report a claim on your policy:

Claims-made: A claims-made policy will provide coverage only if the policy is in effect when the incident occurred, and the lawsuit is reported. An Extended Reporting Period — or Tail Coverage — may be purchased to extend the reporting period after the policy ends.

Occurrence: An occurrence policy covers any incident that occurred during the policy period even if a claim is reported after the policy has expired.

All Allied Health products offered are written on an occurrence coverage basis. 

These definitions will help you determine which type of policy you need:

Employed: The applicant receives a W-2 and is not an owner of the legal entity that issues the W-2. The employed individual should receive their primary malpractice coverage through his/her employer. Note: If an employer does not purchase insurance or their policy does not provide coverage to the employee, the applicant is subject to the self-employed rate.

Self-employed: The applicant is an individual professional who functions full- or part-time as a 1099 employee or an applicant who does not receive primary malpractice coverage through his/her employer. An individual professional who is a sole owner of a business/corporation, such as an LLC with no employees or independent contractors, may qualify for the self-employed status with the business listed as an additional insured at no additional charge. 

Product Sales are not expressly covered within a professional liability policy. If coverage is needed for the sale of products, please contact our office at 1-866-486-1946 to inquire about alternative markets.

Professional Liability policies do not provide coverage for damage to the insured’s property. There may be limited coverage available to Self Employed Individuals who select the optional General liability coverage for premises rented or leased arising from a fire. For more comprehensive options, please contact a sales team member at 1-800-375-2764.

For individuals and students, the fastest way to apply is online, but you have a few options available:

Online: Find your profession, select “Get a Quote” and follow the prompts. You will receive a quote once all questions have been answered, provided additional underwriting is not necessary. You can then accept the quote and bind coverage by paying with your credit card or checking account.

Paper: Access the application as you would online. If you prefer to print the application, choose the Pay Later option. Return the signed and dated application with payment.

By phone: Call our sales team at 1-800-375-2764 to apply by phone.

For groups: Please select your profession to get a quote or call our sales team at 1-800-375-2764 to discuss your options. 

For individuals and students, the fastest way to renew is online. Provide your customer number, email address and click “Renew Now.” Please note, you may pay using your credit card or checking account. For groups, a new application is mailed 90 days before your policy’s expiration date.

Click My Account and log in with your username and password. Select “Renew with Changes” and complete the renewal application.

If you graduate before the policy expires or an internship is required, coverage will continue as a professional or intern working in your field of study until the policy expires. Once the policy expires, you can update your policy to renew as a professional by choosing to Renew with Changes. If you require proof of professional coverage immediately, please contact us at 1-800-375-2764.

Please re-register your account following these steps:

• Click My Account at the top of the page.
• Select “Register” at log in.
• Enter your email address and customer number.
• Create a new password and complete the security questions when prompted. 

The following payment options are available:

Credit card: Pay online by Mastercard, Visa or American Express. An encrypted payment will be provided to AMBA to pay for your policy or requested change.

Check, certified check or money order: Mail your payment with your invoice or letter requesting payment. You may also pay online and pay using your checking account.

Finance through AFCO: Premiums of $750.00 or more may be financed and are subject to an APR%. Please be advised a down payment, installment(s) and a signed contract are required. The contract reflecting the required fees will be provided upon request. New or renewal applicants can request financing by calling 1-800-375-2764. 

To add an authorized individual to your account, the Named Insured, or an owner of the Named Insured entity, must send a written authorization by mail, email or upload to your MyAccount.

To learn more click here. 

Please login to My Account and download the Self Employed Questionnaire located in the Resource Center or call 1-800-375-2764.

Please login to My Account and upload a request in writing to make this change or call 1-800-375-2764.

Yes, Self-Employed Individual coverage is for the Named Insured only. Group practices require underwriting review. An Indication of Premium may be available for some of our eligible professions by clicking here to select your profession. If “Group” does not appear in the Get a Quote section, an Indication of Premium is not yet available. Please call 1-800-375-2764.

Please login to My Account and upload a request in writing to make this change or call 1-800-375-2764.

Changes can be made online through My Account. You may update these changes and renew your policy at the same time by selecting “Renew with Changes.”

To cancel your policy, you can upload a signed and dated request from the policy holder by logging into My Account or email, fax or mail it to us. If you are an executor of an estate, please include the request with a copy of the policy holder's death certificate.

If you are named in a lawsuit, if an incident has occurred that you believe may lead to a claim, or if a complaint has been made to your licensing board, please send a written request by email to [email protected], or mail it to:

Liberty International Underwriters, Inc
Attn: AMBA Claims
28 Liberty Street, 4th Floor
New York, NY 10005

If you would like to speak with someone regarding your matter, call 1-855-511-8097.

When contacting Liberty Insurance Underwriters, Inc., please provide the following:

·       Your policy number

·       The telephone number and best time you can be reached

·       An address where you can receive mail

·       An email address

·       The date you received the claim/disciplinary action

·       The date of the incident

·       The claimant name (if available)

·       A brief description of the facts of the claim/disciplinary action (if available)

View this Healthcare Claims Guide for more details on filing medical claims.

The Policy with Proliability, underwritten by Liberty Insurance Underwriters, Inc. does not exclude telehealth/telemedicine services. For practitioners electing to provide professional services via telehealth/telemedicine, it is the responsibility of each practitioner to ensure that they are lawfully providing professional services and meeting the requirements outlined by their professional state or federal licensing or regulatory boards and practicing within the profession’s scope and standards of practice.

We have compiled a list of risk management resources including a telehealth/telemedicine brief.

If you need a copy of your policy, please visit My Account or contact us [email protected] or 1-800-375-2764.

We understand practitioners may have questions or concerns about COVID-19 claims, particularly whether or not the professional liability policy offered by Proliability would provide coverage for such claims. While coverage for each claim is subject to the terms and conditions of the policy, please be assured that there are no terms or conditions in the policy that exclude a claim from coverage on the basis that the claim arises out of a communicable disease, such as the Coronavirus that causes COVID-19. The availability of insurance coverage is highly dependent on the specific facts and circumstances surrounding each claim, as well as the wording of the insurance policy, however; so unfortunately, we cannot comment on hypothetical claims scenarios and can only provide a coverage analysis for an actual claim. If you have a claim, please submit it to the Claims Department (as outlined in policy documents) as soon as possible.  Additionally, we recommend that you review the policy to understand the terms, conditions, and exclusions.

We understand practitioners may have questions or concerns regarding the state and/or federal guidelines about the Coronavirus that causes COVID-19, and what impact the guidelines may have on insurance coverage. This is a particularly pressing issue as some states are resuming elective procedures, even though the CDC and others recommend not resuming these activities. Insurance companies have no special insight into the standards of practice and the scope of your license that are established by healthcare industry regulators, and we are awaiting clarity from the regulators on these issues just the same as you are. That said, we can share the following information about insurance coverage for you to keep in mind in the interim:

• The intent of professional liability insurance is to provide coverage for the professional services identified in the policy that you are legally qualified to perform—but coverage is subject to compliance with the certification and/or licensure requirements in the state(s) you practice.
• Conduct that you know to be against the law may be excluded from coverage, pursuant to the terms and conditions of the policy or as required by law.

If you have questions regarding licensure or practice issues, including what impact federal guidance may have on your ability to practice in a given state, our recommendation is to contact the State Licensing Boards in the state(s) where you practice.