As a member of PPLRRG, you are actively participating in managing your risk and enhancing your professional education. Our Physician Malpractice Program employs proactive, cutting edge strategies to control and manage claims, while keeping member costs down. Through our New Staff Physician Program, qualifying physicians are enrolled for a premium of $1 for the entire first year. Access to affordable Long Term Disability insurance is an effective supplement to our comprehensive risk management plan for members. Learn more about PPLRRG’s programs below.
Physician Malpractice Program > New Staff Physician Program > Long Term Disability Program >
Physician Malpractice Program
PPLRRG’s Physician Malpractice Program is a comprehensive liability insurance program for physicians and related health care professionals. Membership in the program is limited to licensed physicians and other healthcare professionals practicing in Florida. PPLRRG is physician directed and physician controlled. We understand and appreciate the professional and financial needs of our member-physicians. PPLRRG utilizes stringent underwriting criteria, geographic focus, and an aggressive loss control program to provide outstanding long term insurance solutions to its members. We utilize a Physician Insurers Association of America (PIAA) market based pricing model which allows us to provide our members with a myriad of discounts.Since 2006 PPLRRG has returned premiums ranging from 18% to 30% of the insureds’ earned premium paid by active insureds. Future return premiums are not guaranteed.Physician ownership and controlUnderwriting performed by local physicians committeeProactive approach to Claims Handling managed by an in-house physician/lawyerNon Assessable coverageClaim expenses do not erode limit of liabilityRenewal/Risk Management Discount for physicians who attend a risk management seminarCoverage is based on a Claims Made Policy Form$25,000/$25,000 in defense coverage for State DPR investigations and Medicare/Medicaid actionsMultiple Discounts availableClaims-Free Discount after 3 years of claims-free practiceNew Staff Physicians ProgramPart-time Discount for physicians practicing less than 20 hours per weekGroup Discount for groups of 3 or more insured