Our policy is written in plain language with no hidden clauses or exclusions. You get exactly what you purchase. Furthermore, your policy is automatically renewed each year, without the need for annual paperwork if your practice has not changed, or you have not experienced adverse claim results.

PPIA’s claims-made- policy covers liability that occurs during the policy period and the claim is first made during the policy period. It is available in limits of:

$100,000/$200,000	$100,000/$300,000
$200,000/$400,000	$200,000/$600,000
$500,000/$1,000,000	$500,000/$1,500,000
$1,000,000/$2,000,000	$1,000,000/$3,000,000

You may choose to purchase these additional benefits:

RETROACTIVE COVERAGE. This benefit covers you for claims that occur before the policy’s effective date and after the retroactive date established in the policy.
FLEXIBLE EXTENDED REPORTING PERIOD. Sometimes called a “tail,” this provision lengthens your term of coverage (2-year or longer periods available). It ensures that injury or damage is covered when:

A policy is cancelled or not renewed
A policy has an advanced retroactive date
A policy is replaced with insurance that is not on an occurrence basis for bodily injury or damage

SPECIAL ENDORSEMENT. Under certain circumstances, you may purchase an endorsement that provides an extended reporting period for the time specified in your policy. This endorsement assures you that claims made after the expiration of the policy will be considered first made during the policy period.

SPECIAL RETIREMENT BENEFITS. If you retire at age 55 or later and have been insured for a minimum of three years, extended insurance is provided at no charge. We also provide free extended reporting benefits should the physician become disabled or die.

CONSENT TO SETTLE. PPIA will not settle a case against a policyholder without the policyholder’s consent.