Professional Liability Insurance
Take care of yourself before you take care of others
As a professional, you've devoted years to study and training. Your skills and experience are constantly being tested under stressful conditions and with difficult clients. How you respond could determine your professional reputation and your future.
 
Under such circumstances, it's all too easy for something to go wrong. A malpractice suit or a charge of negligence - justified or not - could mean the end of your career. That's why your professional association recommends that you have your own Professional Liability Insurance. We offer this program underwritten by the Chicago Insurance Company, a member of Interstate National Corporation (one of The Fireman's Fund Insurance Companies) and arranged for you through Hagan Benefits. This program is administered by Maginnis & Associates.
 
As specialized as you are.
This professional Liability Insurance program is designed especially for professionals like you. Coverage provides protection whether you are employed full-time or part-time. If you have your own practice, this program will provide important fundamental coverage.
 
It helps protect your future.
Because this program uses an "occurrence form" you are covered for designated professional services performed during the term of the insurance certificate…no matter when the suit of claim is made. This means you have protection now and in the future - even after the insurance certificate expires or you retire or change jobs - for any covered claims resulting from covered services you performed while the insurance certificate was in force.
 
It helps protect you.
This professional Liability Insurance Program protects you against covered claims arising from real or alleged negligence resulting from your acts or omissions in the practice of your profession. It also helps protect you if someone you supervise, and for whom you are legally liable, is named in a suit.
 
Program Features
You have a choice.
Your coverage limit depends on your needs. You can select limits of $2,000,000 per incident; $4,000,000 annual aggregate for Professional Liability Coverage, or limits of $1,000,000 per incident; $3,000,000 annual aggregate for Professional Liability Coverage.
 
Your defense costs are covered.
This coverage will pay legal fees and court costs incurred by the insurer on your behalf, for covered claims, in addition to the liability limits, even if the suit is groundless, false or fraudulent.
 
Your expenses are reimbursed.
Regardless of the limits of liability you choose, if you lose earnings or incur expenses at the insurer's request, you will be reimbursed up to $10,000 per incident.
 
You have worldwide protection.
You are covered anywhere in the world, as long as the claim is made or suit is brought in the United States or its territories or possessions.
 
Benefits
Self-Employed NSCA Members will receive:

• An individual aggregate limit of coverage is provided for each member of a group or business, instead of the group or business sharing one limit on a corporate policy.
• Volunteers are automatically covered.
• A qualified "consent to settle" clause which requires your consent to settle claims.
• "Product Hazard" coverage for equipment specifically designed, made or altered by you for a patient or client.
• Lost wages - pays up to $10,000 per incident for attendance at a trial, hearing or arbitration proceeding for a covered claim. "Reasonable expenses" are also included in this limit.
• Reimbursement of defense costs up to $5,000 per incident/$10,000 annual aggregate for the investigation or defense of all proceedings before any entity responsible for regulation of your professional conduct. (i.e. licensing board)
• Expense reimbursement, up to $5,000 for legal representation for depositions related to your professional duties. This coverage applies when you are not named in a claim but required to be deposed, for instance, as a witness to the event.
• Locum tenens option provides coverage when another professional temporarily assumes your duties and provides services on your behalf for a specific period of time. The locum tenen shares in the limits of the professional being replaced.
• Managed care contracts are specifically addressed; if you assume liability in a contract, you will be covered for negligent acts for which you are solely responsible.
• Reimbursement for first aid expenses, providing up to $2,500 for medical supplies when you respond to an emergency.
• First party assault coverage is provided up to $5,000 per assault/$10,000 annual aggregate. This includes travel to and from the workplace.

• Occurrence form protection which covers malpractice claims against you now, or anytime in the future, as long as the incident happened while your certificate was in force.
• Coverage limits up to $2,000,000 per incident/occurrence, $4,000,000 per policy period.
• Portable coverage that travels with you from job to job.
• Legal defense cost coverage in addition to your limit of liability even if a suit is groundless, false or fraudulent.
• Your protection includes a "consent to settle" clause which requires your consent to settle claims.
• Lost wage reimbursement, up to $10,000 per incident, if you must attend a trial or other proceeding at the company's request.
• Licensing board defense reimbursement of up to $10,000 per incident/$10,000 per policy period for the investigation or defense of all proceedings before any entity responsible for regulating your professional conduct.
• Expense reimbursement for legal representation if your are not named in a suit but are required to appear at a deposition, for instance, as a witness to an incident.
• Supplemental Liability for non-business pursuits.
• Medical Payments Coverage for non-business pursuits, for example, if someone is injured in or around your home - up to $75,000 per policy period.
• A leave of absence option is available to individuals for leaves from 30 days to 6 months.
• Assault coverage of up to $5,000 per assault / $10,000 per policy period if you are assaulted. This includes travel to and from the workplace.

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Annual Renewable and 10-Year Level Term Life Insurance

Life Insurance can be the most important coverage you can purchase, especially when it comes to your family's security. As your family changes over time, the amount of insurance you need may also change. Now is a good time to review your life insurance protection and make sure it has kept pace with the inflation and your changing needs.

There's no need to worry about the strength of your plan: once you're covered, your insurance rates cannot be increased or your coverage cancelled due to a change in your health.

NSCA members are offered this exclusive Group Term Life Life Insurance underwritten by Reliastar Life Insurance Company. This gives you the opportunity to purchase life insurance at affordable group rates!

Program Features

Annual Renewable Term Life Insurance                     

• Members and spouses may apply for benefits ranging from $25,000 to $1,000,000.
• All children between 14 days and six months of age may be covered for $1,000; between six months 19 years of age (25, if a full time student), $5,000 of coverage is available.                                                                                                                                                           

Accelerated Death Benefit.

Facing a terminal illness is a critical time for anyone- both emotionally and financially. The Accelerated Life Benefit provides an early payout if a member has a life expectancy of 12 months or less. This benefit allows you (and your spouse, if covered) a one-time option to receive up to 50% of the Term Life insurance proceeds.

The funds are received in a lump sum payment without restriction on how you have to use them. The face amount of your Term Life policy is then reduced by the amount paid out by the Accelerated Death Benefit.

Accidental Death and Dismemberment (AD&D).

This coverage is also available. Additionally, your full-time employees are eligible to apply for benefits up to $250,000

10-Year Level Term Life Insurance

NSCA members are eligible for a 10-Year Level Term Life plan. Under this rate structure, it is expected that premiums will stay level for up to ten years for each eligible insured person.*

Group Level Term Benefits include:

• Members and spouses may apply for benefits ranging from $150,000 to $1,000,000
• All children between 14 days and six months of age may be covered for $1,000; between six months 19 years of age (25, if a full time student), $5,000 of coverage is available.                                                                                                                                                           
• The Accelerated Life Benefit provides an early payout if a member has a life expectancy of 12 months or less. This benefit allows you (and your spouse, if covered) a one-time option to receive up to 50% of the Term Life insurance proceeds.
• Accidental Death and Dismemberment (AD&D) is included
• Full-time employees of members are eligible to apply for benefits up to $250,000

*Premiums will change only if changed for all insureds covered under the group policy and with 60 day written notice.