> Created by Athletic Trainers specifically for Athletic Trainers
> The only PLI + GL policy for the price of a PLI-only policy
> Covers you at work and during per diem
> Backed by Players Health, a sports insurance industry leader
Professional liability insurance, also known as errors and omissions (E&O) insurance, is a type of insurance that protects athletic trainers from financial losses resulting from claims of negligence or failure to perform their professional duties.
General liability insurance is a broad type of insurance policy which provides liability insurance for general risks that athletic trainers may face; such as bodily injury property damage, personal and advertising injury
It’s recommended that athletic trainers have both professional liability insurance and general liability insurance because they provide different types of coverage for different types of risks. To get PLI and GL with other companies, you essentially have to buy ‘two’ policies.
With some policies you need an endorsement to work per diem. Others only cover you at your place of W2 employment. Some go by how many hours a week you work. It can be a little confusing. We keep it simple. We cover you all the time, anywhere and everywhere.
HOW TO GET A PLI+GL QUOTE ON THE Go4 APP //
> Open up the Go4 app. (If you don't have the app, click here.)
> Click the menu icon in the upper left
> Click the 'Purchase PLI' button at the bottom of the menu
> Click 'Begin Application' on the next screen
PH ATHLETIC TRAINER PLI + GL POLICY HIGHLIGHTS //
PROFESSIONAL LIABILITY
$1mil occurrence / $3mil aggregate
GENERAL LIABILITY
$1mil occurrence / $3mil aggregate
LICENSING BOARD REIMBURSEMENT
$1mil occurrence / $3mil aggregate
LEGAL REPRESENTATION
Representation for covered incidents
DEPOSITION EXPENSE
$1mil occurrence / $3mil aggregate
LIBEL PROTECTION
Libel protection up to $1mil
PROPERTY DAMAGE
Property damage coverage up to $300k
OCCURRENCE POLICY
Incidents that happen during your policy period are covered regardless of claim date
The PLI+GL was created by Players Health, a leader and innovator in the sports insurance industry, in collaboration with athletic trainers. Players Health's mission is to create the safest and most accessible environments for athletes to play the sports they love. Learn More About Players Health
Professional liability insurance helps cover you (and your company) if you make a mistake in the professional services given to a customer or client. This coverage is also known as errors and omissions insurance (E&O). Even if you’re an expert in your business, mistakes happen. And if your client or customer thinks a mistake in your professional services caused a financial loss, they can sue you.
General liability insurance (GLI) is sometimes called business liability insurance or commercial general liability insurance. This type of liability insurance coverage helps protect your business from claims that it caused bodily injuries or property damage to others. Without general liability coverage, you’d have to pay for these claims out of pocket. Comprehensive General Liability is automatically included which could be upwards of $1,900 higher on competing policy providers.
Products-Completed Operations Coverage helps cover liability claims resulting from your business’ product or completed operations that were done away from your location. It can help cover claims that your business caused bodily injury or property damage.
Helps cover malicious prosecution, slander, libel, wrongful eviction and violating a person’s privacy. Also, copyright infringement is covered with a general liability policy.
The policy includes legal representation for covered incidents. This means you have an attorney assigned to you to represent your interests – not the interests of others such as your employer. The legal fees and expenses are in addition to your professional liability policy limits, which is a key benefit to you as this means legal fees and expenses do not erode your liability limits.
Covers up to $1,000,000 per incident / $3,000,0000 per policy period for attorney fees or other expenses or fees from an investigation or proceedings from an entity responsible for regulating your profession. In most regulated professions, anyone can file a complaint against you such as your patient, patient’s family, your employer or coworker. If you’re employed, your employer may not reimburse you for investigations or proceedings.
Covers up to $1,000,000 per incident / $3,000,000 per policy period for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.
Covers up to $25,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period.
Covers up to $300,000 for damage to property of others caused by you during the policy period.
Covers up to $1,000,000 per incident and $3,000,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises.
Covers incidents that happen during your policy period regardless of when the claims are reported.
Provides up to $25,000 per incident / $100,00 per policy period.
When you apply for individual coverage, the policy covers you for your professional services, including on and off the job, moonlighting and volunteering.
If you have questions, let us know! We're happy to answer every last one!
