Discounts

Discounts

Numerous discounts make our outstanding coverage very affordable.

Discounts are based on loss history, participation in continuing education, practice size and other factors.

LOSS-FREE CREDIT

Policyholders receive an annual discount for remaining free of a paid claim greater than $50,000. The discount increases by 2% annually (3% in Utah) to a maximum discount of 24%.

NEW PRACTITIONER DISCOUNT

New-to-practice physicians receive a discount during their first five years of practice. After the New Practitioner discount expires you will be eligible for the Loss-Free discount.

  • 75% first year
  • 50% second year
  • 25% third year
  • 15% fourth year
  • 10% fifth year (15% in Utah)

GROUP DISCOUNT

Groups of physicians can receive up to a 20% discount.

PART-TIME PRACTICE DISCOUNT

Receive up to a 75% premium discount based on the average number of hours, up to 24, practiced per week.

DEDUCTIBLE DISCOUNTS

Reduce annual premium up to 14% by adding a deductible to the policy. Please contact us for policy-specific details.