• Pay on behalf of contract
• Consent to settle does not include a "Hammer Clause" and includes a peer review option
• Claims expense allowance is outside of policy limits, subject to cap
• Broad definition of "Insured"
• Broad definition of "Professional Services" that includes activities like consulting, an instructor of insurance related subjects, insurance expert witness, and others insurance activities
• Deductible reduction for the use of mediation
• Pay no more than two deductibles in a policy year
• Offering a Standard and Enhanced policy
• Some reimbursement outside of limits and not subject to the deductible for loss of earnings while attending a trial, hearing, arbitration proceeding or regulatory proceeding concerning a covered claim
• Some expense reimbursement outside of limits and not subject to the deductible for attorney fees and expenses while attending regulatory proceedings

Policy Highlights are for illustrative purposes only. Please contact your PIA state affiliate association for actual policy information and samples of the policy forms.

Issuing Policies

Rate and Form Approved

Approval of rates and forms does not necessarily mean PIAPRO is issuing policies in your state. Please contact your PIA state association for more information about the E&O markets available in your specific area.