Professional Liability Insurance

Professional Liability Insurance  


How to Apply

Applying is just a click away! Start with an instant quote then apply online and get binding coverage instantly at Why wait? Get your personal professional liability coverage today! Apply Now!


If you prefer not to apply online, you can call 1-800-375-2764 to speak to a professional liability representative today.


At a Glance

Protect yourself, your family's financial security and your career with your own individual liability coverage. Even if you have Professional Liability coverage through your employer, it may not be enough. Here's why:

  • Policy limits may not be high enough to protect you and all of your co-workers named in a lawsuit.
  • 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 volunteer and part-time work.
Professional Liability Insurance

Available coverages, credits and options may vary by state. All association members are eligible to apply. 

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.  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.

The most responsible, skilled and experienced professionals can innocently become involved in a malpractice claim or licensing board complaint. 

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 to get a no-obligation, instant quote and apply for binding coverage. Why wait? Apply Now!


Where Available
: Available coverages, credits and options may vary by state.


Notes: All association members are eligible to apply.

Contact Us

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 M-F 7:30a-5p CT
[email protected]
 Insurance Company Address
Underwritten by
Liberty Insurance Underwriters Inc.,
a member company of
Liberty Mutual Insurance.
55 Water Street
New York, New York 10041


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

  • Am I covered for administering COVID-19 vaccines?

    Proliability, powered by Mercer, continues to monitor COVID-19 and its impact on healthcare practitioners. We understand you may have questions related to your healthcare professional liability insurance, including your actual or potential administration of a COVID-19 vaccine.

    The insurance policy, offered through Proliability and underwritten by Liberty Insurance Underwriters, Inc., does not exclude coverage for delivering a FDA approved/emergency use authorization COVID-19 vaccine in those states where hygienists are authorized to deliver injections.

    For additional clarity on this topic, each hygienist electing to provide professional services to inject patients with a COVID-19 vaccine has a duty to ensure that you are lawfully providing professional services and meeting the requirements outlined by your professional state or federal licensing or regulatory boards and practicing within your profession’s scope and standards of practice.

    Coverage for every injection is not guaranteed. While an extreme example, a vaccine claim may be denied by the carrier if a hygienists failed to follow usual and customary medical guidelines regarding reuse of a needle or syringe.

    If you would like a copy of your policy, please visit My Account.

  • 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 since 1949. 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

    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 1-800-375-2764 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). 

    Illinois Residents Only: Please contact 800-375-2764 for installment payment options.

The information on this site describes the benefits for eligible employees of American Dental Hygienists' Association and is intended to provide a brief overview of the coverage. In the event of any conflict or inconsistency between the information on this site and the information contained in the underlying plan documents, the plan documents, as interpreted by the Plan Administrator, will in all respects control and govern. If any provision is not explained or only partially explained, your rights will always be determined under the provisions of the underlying plan documents, as interpreted by the Plan Administrator. For complete plan details, please consult your HR department.