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Proliability (Mercer)

AANP-sponsored occurrence coverage for nurses and allied-health professionals since 2008

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Item Proliability (Mercer)
Coverage limits Up to $1M / $3M aggregate
Policy form occurrence
License defense ✓
Tail coverage —
Rating 4.4
Best for nurses and allied-health professionals who want occurrence coverage with no tail
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Proliability (Mercer)

Pros

  • Occurrence-based coverage through Liberty Insurance Underwriters — no tail coverage needed
  • Licensing board reimbursement up to $25,000 per incident / $100,000 per policy period
  • HIPAA coverage up to $50,000; the only AANP-sponsored NP plan since 2008

Cons

  • Standard limits cap at $1M / $3M (lower aggregate than HPSO/CM&F)
  • Online self-service flow feels dated

What is Proliability insurance?

Proliability is Mercer's professional liability program for healthcare and allied-health professionals — the "Mercer proliability" searches refer to the same product. It underwrites occurrence-form coverage through Liberty Insurance Underwriters and is best known in the nursing world as the only AANP-sponsored NP liability program since 2008 (also recognized by AAENP). Beyond nurse practitioners, it covers RNs, mental health professionals, speech-language pathologists (the ASHA-endorsed program), dental hygienists, physician assistants, and more.

What does Proliability coverage include?

Limits run up to $1 million per claim / $3 million aggregate on the occurrence form — no tail coverage needed when you leave a job. Included protections: licensing board reimbursement of $25,000 per incident / $100,000 per policy period, HIPAA coverage up to $50,000, deposition support, and risk-management services through OmniSure Consulting Group. Policies are available for individuals and for group practices.

How much does Proliability insurance cost?

Proliability publishes starting prices for nurse practitioners: from $991/yr for employed Adult NPs and $1,190/yr for self-employed Adult NPs. Other professions are quoted individually — the online quote takes a few minutes. See our NP malpractice insurance page for how that compares with other carriers.

Is Proliability a good choice?

For NPs it's the incumbent association plan, and the board-reimbursement plus HIPAA limits are genuinely strong. The trade-offs: standard limits top out at $1M/$3M (HPSO and CM&F go to $6M aggregate), and the online flow feels dated next to digital-first carriers. Compare directly: Proliability vs HPSO, Proliability vs Berxi.

Frequently Asked Questions

What is Proliability (Mercer) insurance? +

Proliability is Mercer's professional liability program for healthcare professionals, underwritten through Liberty Insurance Underwriters. Searches for 'Mercer proliability' or 'Mercer professional liability insurance' refer to this same program — occurrence-form coverage best known as the only AANP-sponsored NP plan since 2008.

How much does Proliability insurance cost? +

For nurse practitioners, published premiums start at $991/yr (employed Adult NPs) and $1,190/yr (self-employed). Other professions are priced individually through the online quote, which takes a few minutes.

What does Proliability cover? +

Occurrence-form professional liability up to $1M per claim / $3M aggregate, licensing board reimbursement of $25,000 per incident ($100,000 per policy period), HIPAA coverage up to $50,000, deposition support, and OmniSure risk-management services. No tail coverage needed.

Is Proliability good for nurse practitioners? +

It's the only AANP-sponsored NP liability program (since 2008) and is also recognized by AAENP. Published NP rates and strong board-defense/HIPAA limits are the draw; the $1M/$3M limit cap and dated online flow are the main trade-offs.

Does Proliability cover speech-language pathologists? +

Yes — Proliability runs the ASHA-endorsed professional liability program for speech-language pathologists and audiologists, alongside nurses, mental health professionals, dental hygienists, and physician assistants.

Last reviewed: 2026-07-22