• "I bought a malpractice insurance policy this year through AMERIPA and saved $12,000." - Pennsylvania General Surgeon
  • "Thank You. We were with the same carrier forever but we decided to explore our options and you saved our practice over $125,000 this year in premiums for the same coverage." - PA Orthopedic Practice
  • "We thought we were getting a decent rate through our physician network but we were not obligated to purchase our insurance through them so we went with AMERIPA's program and saved over $3,000 for each physician." -PA Family Practice Mgr.
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Physician professional liability application
Corporation / Entity Application
Advance Practice Provider Application
Protecting your assets as well as your professional reputation now and into the future by providing high quality professional liability insurance at a reduced cost. We feel that all practices, regardless of size, should have access to the discounted pricing that large groups, networks or associations receive. We use our purchasing power to negotiate favorable pricing from "A" rated, established, reputable, malpractice carriers. We provide the favorable pricing to smaller and even solo practices enabling them to save up to 50% off of their premiums. We can offer rates from "A" rated carriers that most agents or brokers do not have access to, or cannot provide. We provide the pricing and support you need to feel confident in your medical malpractice insurance coverage. Our office (fully licensed administrator/ broker in your state) will work hand in hand with your practice to ensure that you receive the most cost effective policy every year. Our dedicated professionals work with you to manage applications, policy issuance, renewals, certificates, claims reporting and much more. Our malpractice insurance program manager has over thirty years experience in providing medical malpractice insurance policies to healthcare providers. At no additional cost we can provide tools and programs designed to help increase reimbursements. Excellent Pricing - Sound Risk Management - Unparalleled Claims Defense
POLICY HIGHLIGHTS INCLUDE -Occurrence and Claims-Made type policies -Retroactive Coverage (for claims-made policies - no need to first purchase a "tail") -Free Tail Provisions (claims-made policies) -Will Not Settle Claims Without Policyholder Consent -Full and Part-time coverage -Excellent claims defense utilizing defense firms with years of experience and an excellent track record in your county. -Variety of Discounts (claims-free, risk management, group, association etc.) -Added Policy Benefits (cyber protection etc.) -Convenient Finance Plans -Fully Licensed Policy Manager with over 30 years experience negotiating and handling medical malpractice insurance. -Policyholder service with direct access to your representative.
YOUR OWN POLICY - Ameripa's purchasing power favorably influences the pricing and terms of your professional liability insurance policy. - Every physician or practice is individually underwritten and receives their own policy. - All policies are underwritten by "A" Rated licensed, approved, admitted and reinsured carriers in your state of practice.

Frequently Asked Questions

  • Q: If I have a claims made policy do I have to purchase a "tail" from my current carrier? A: No, we will ensure that we use the same retroactive date as you have under your current policy. A "tail" would not have to be purchased as your "prior acts" will be covered under the new policy as long as they occurred after the retroactive date listed on your policy.
  • Q: Can I get a free "tail" when I retire? A: Yes. Our insured physicians over 50 years of age who have had continuous claims made coverage will receive a free tail upon retirement as long as they have been insured through us for one full year.
  • Q: Can you insure my professional employees? A: Yes. We can provide coverage for allied healthcare providers such as Physician Assistants and Nurse Practitioners at extremely competitive pricing.
  • Q: Is AMERIPA an insurance company? A: No. AMERIPA is an insurance management arm. AMERIPA utilizes its purchasing power to negotiate favorable pricing with insurance carriers to secure more cost effective policies for independent practices. Our fully licensed team works with practices to manage applications, renewals, policy issuance, certificates, claims reporting and much more.
  • Q: If I join AMERIPA to take advantage of their pricing, will my policy be a group policy with all the other members? A: No. Every physician or practice is individually underwritten and receives their own policy. Other association practices and policies, including their claims experience, do not affect your individual or practice policy.
  • Q: Do I have to join the American Independent Physician Association to take advantage of AMERIPA's excellent policy prices? A: No. However, by joining the association you may be eligible to receive a larger discount off of the rates depending upon the insurance carrier or state you practice in.
WE'RE HERE FOR YOU
OUR HISTORY
The American Independent Physician Association was founded as a small, approved risk purchasing group in order to help practices reduce overhead by providing discounted liability insurance to its members. Basically, individual practices could purchase insurance at group rates via the risk purchasing group. The Association used an experienced, licensed firm (Physicians Insurance) to manage and negotiate on its behalf in order to obtain and provide discounted professional liability insurance policies to its members. As a result, practices receive pricing and terms on their policies that they may never have received on their own or through their broker. Due to the success rate of delivering cost effective alternatives to its members, growth of the medical malpractice insurance program exceeded all expectations and our program was called upon to help practices in various states. As a result of the success, the insurance management arm rebranded as AMERIPA Insurance in order to offer its insurance services and discounted policies not only to association members, but to all physician practices regardless of size or association membership. AMERIPA's management team has been the backbone of our program. They have been providing professional liability insurance policies for physician practices since the 1980's and they are the driving force behind the success of our professional liability insurance program.