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
Last reviewed: 2026-07-07