Proliability Insurance: Professional Liability Insurance Review

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Contributor, Benzinga
September 24, 2021

Proliability Insurance is a trusted insurance provider for professional liability insurance coverage for small businesses and independent contractors.

The application for this American business insurer is quick and easy. Rates are affordable, and the customer care team delivers unmatched personal service.

Proliability Insurance is a premier provider of professional liability coverage that works only with the top-rated insurance carriers to offer business owners customized solutions and flexible coverage options.

A.M. Best rating: A-  for parent company Marsh McLennan (NYSE: MMC) 

Standard & Poors rating: A- for parent company Marsh McLennan

 

Best For
  • Business professionals in every industry
  • Competitive premiums
Pros
  • Easy, online application
  • Can renew online
  • Offers highly competitive pricing compared with other professional liability insurers
  • Calls answered by friendly, professional and knowledgeable customer service agents
Cons
  • No physical location
  • Online process could be smoothed out a bit

Proliability Professional Liability Insurance Ratings at a Glance

Proliability Insurance Coverage Options
Proliability Insurance Customer Service
Customer Pricing
Mobile App
Proliability User Benefits
User Experience
Proliability Insurance Overall Rating

Proliability Insurance Coverage Options

General liability insurance does not cover professional liability claims such as negligence, misrepresentation, inaccurate advice or violations of good faith or fair dealing. Professional liability insurance covers those bases.  

Proliability Insurance offers professional insurance coverage for numerous different industries. The automated application is intuitive, allowing applicants to move seamlessly from one section to the next. Customer service agents are standing by to answer questions. Here are the options Proliability Insurance offers:

Lawyer malpractice insurance: covers lawyers in your firm and may extend to roles as arbitrator, mediator, notary or members, directors or officers of a bar association

Dentist malpractice insurance: pays defense costs and liability expenses in connection with lawsuits filed by patients

Real estate errors and omissions (E&O): covers real estate brokers, agents, appraisers and other real estate professionals from mistakes they make in providing services

Cyber liability: protects against data breaches, phishing or malware.

Travel agents and travel agencies: covers for errors and omissions.

Tax preparers and bookkeepers: protects tax preparers, certified public accountants (CPAs), accountants, auditors and payroll companies against E&O claims

Insurance agents and insurance agencies: covers E&O claims for insurance agents, brokers and insurance agencies

Investment advisers: offers professional liability coverage for investment advisers, financial planners, investment brokers and other financial advisers

Yoga teachers and students: covers general liability and medical payments for yoga teachers

Massage therapists: covers general liability and property damage for massage therapists

Athletic trainers: offers E&O and malpractice insurance for athletic trainers, coaches and fitness professionals

Healthcare students: covers students who may not have E&O coverage under an employer; covers students as they work with patients until they secure regular employment

These professions are just a snapshot of the many industries that Proliability Insurance offers professional liability policies for.

Proliability Insurance Customer Service

Benzinga ranks Proliability Insurance strongly in the area of customer service. Customer service responses are fast, helpful and personable, which is everything you could hope for in a representative. All customer service representatives are based in the United States, and they are available during normal business hours. Customers often get the help they need the same day they call.

Customer service representatives are available on your most preferred communication channel, whether your first choice is phone or email. Benzinga gives Proliability Insurance a solid 5-star rating for customer service.

Customer Pricing

Proliability Insurance streamlines its sales and customer service operations and passes the savings on to you.

Regardless of what industry you are in, the premiums are competitive with other professional liability insurance companies. While the premiums are reasonable, Proliability Insurance does not skimp or cut corners on the coverage. You can expect a good professional liability insurance policy that offers quality and value with Proliability Insurance.

Benzinga gives Proliability Insurance 4 stars for having competitive pricing. 

Mobile App

Benzinga gives Proliability Insurance’s mobile app 3 stars. The app is intuitive and easy to use. However, it could use some improvements in stability and ease of navigation.

Proliability User Benefits

Proliability Insurance caters to a wide variety of industries where professional insurance is a necessity. This company only works with top-rated insurance carriers, so you can have complete confidence in the claims experience. Coverage options are flexible, so you can customize your insurance coverages to your exact needs.

Customer service representatives are licensed, so they are highly knowledgeable about coverage questions.

The online application is simple to fill out, and barring any unusual circumstances, you get a professional liability certificate approved in short order. Benzinga gives Proliability Insurance 5 stars for valuable benefits.

User Experience

Overall, the online user experience ranks very well. On some occasions, customers have had challenges with system glitches or problems changing information they input. For the most part, the online application process is intuitive and easy to complete. Customer service representatives are standing by during business hours if you have a question. In most cases, the approval comes through quickly, and you can print your professional liability certificate right away.

Proliability Insurance Versus Competitors

What makes Proliability Insurance stand out from the competition is how well designed the application process is. It could not be faster or easier to get a professional insurance quote or start the application process. Because the underwriting and approval processes are streamlined, you can get your professional liability certificate quickly so you can focus on running your business.

Proliability Insurance Overall Rating

Benzinga gives Proliability Insurance a strong 4-star rating. Overall, Proliability Insurance gives you the professional insurance coverage you need quickly and without the hassle and long waiting times for approvals you may have experienced with other professional insurance companies.

The application process is entirely online, allowing you to complete it at your leisure outside of normal business hours if you choose to.

The premiums for professional insurance are competitively priced. Proliability Insurance only uses top-rated insurance companies, so you can be sure you are getting a reliable, financially strong insurance provider.

Cost is always a factor in purchasing a professional insurance policy, and Proliability Insurance offers low premiums in nearly every industry.

Get Started With Proliability Professional Liability Insurance

Getting started with Proliability Insurance could not be easier. All you have to do is call for a no-obligation quote and apply online. A customer service representative will guide you through the process of getting your online application started and answer any questions you have. Once your application is complete, Proliability Insurance will process your application swiftly. From there, you simply make your premium payment, and you will be able to print your professional liability certificate shortly thereafter.

Frequently Asked Questions

Q

What is the difference between errors and omissions insurance and liability insurance?

A

There is no difference between them. They are essentially the same type of insurance. It is common for people inside and outside of the insurance industry to use them interchangeably.

Q

Why is it important to customize my proliability insurance policy?

A

The risks of small businesses vary based on the industry. For example, an IT consultant faces very different risks than a dental professional. Your proliability insurance policy works for you by giving you the coverages, coverage limits and deductibles that suit your business. As your business grows and changes, you can adjust your coverages accordingly

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About Maurice Draine

Maurice Draine is a former insurance agent, broker, underwriter tech, and agent sales support rep with over 15 years of professional writing experience. Maurice helps insurance, financial, and various online and ad agencies, create the words that drive customers to their websites and keeps them there.