USLife - PLACEHOLDER

USLife - PLACEHOLDER  

OVERVIEW

Pays the normal and fixed expenses of running your office while you are disabled so you don't have to use your personal disability income.

 

Examples of Covered Expenses Include:

  • Rent
  • Employee Salaries
  • Utilities
  • Association Dues
  • Professional Liability

 

Apply for up to $10,000 per month in benefits. Medical specialty definition of disability is included. Benefits are payable as long as you remain disabled up to a maximum of 36 months. In a group practice, it pays your share of fixed expenses.

 

This insurance plan is underwritten by: The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in New York State with a principal place of business at 70 Pine Street, New York, NY 10270, licensed in all states, plus DC, except not PR.

For assistance, call Mercer Consumer at

800-888-6926

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.

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!

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 Address
Mercer Consumer, a service of Mercer Health & Benefits Administration LLC
777 South Figueroa Street
Los Angeles, CA 90017
 Phone
1-800-888-6926
 Hours
 M-F 8a-5p PT
 Email
[email protected]

FAQs

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

Expand All

|

Collapse All

  • 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 Mercer Consumer?
    All the plans offered by Mercer Consumer are tailored specifically for each profession to meet your unique needs.

    The Plan is administered by Mercer Consumer and is underwritten by Liberty Insurance Underwriters, Inc. Mercer Consumer has handled the insurance needs of individual healthcare professionals, schools, universities and associations for over 55 years. As a trusted name in the Professional Liability marketplace, Mercer Consumer has earned a reputation defined by superior products and quality service.

  • How do I apply?
    Applying is just a click away! Get a no-obligation quote and apply for binding coverage instantly at Proliability.com.

    If you prefer not to apply online, you may also request an application to be sent to your home or apply for coverage by phone. Call 1-800-503-9230 to speak to your professional liability representative today.

  • Am I eligible to purchase my medical professional liability with installments?
    Illinois Medical Professional Liability Law PA94-677, Senate Bill 475, requires insurers to implement a quarterly premium payment installment plan as prescribed by the Secretary of the Illinois Department of Financial and Professional Regulation (IDFPR). 

    If you practice in the state of Illinois and your annual medical professional liability premium is above $500, please visit www.proliability.com/illinstall for information regarding installment payment options.

    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.