Additional Insurance


Professional Liability

HBI Professional Liability Services

Proper and adequate Malpractice Insurance coverage is essential to your career. It only takes one claim to permanently tarnish your reputation. Ensure your ability to practice is never in jeopardy by having coverage when it matters most.

Benefits of Having a Policy with Us

Claim Defense
We take every claim seriously. You will be protected by our expert claims team that wins 90% of all physician malpractice trials.

Occurrence, Claims-Made and Convertible Claims-Made Coverage
You have access to the industry’s widest array of coverage options, including occurrence, claims-made, and convertible claims-made.

Pure Consent to Settle
We will never settle any case without your consent. It’s your money. Your name on the policy. You should be the one making the decisions.

Free Tail Coverage
We provide free tail coverage for physicians at retirement after just one year of insurance.

Free Cyber Liability Coverage
We continue to develop options that address emerging issues such as cyber liability ($50,000 already included in your coverage) and optional billing errors and omissions coverage.

Understanding Malpractice Insurance

Malpractice Insurance can be confusing. Below are some resources that will help clarify your basic questions that address key topics related to Emergency Physician Malpractice Insurance:

Protection You Deserve from a Name You Can Trust

Medical Protective, MedPro Group, is Warren Buffett/Berkshire Hathaway’s dedicated healthcare liability solution, and the nation’s highest-rated medical malpractice carrier according to A.M. Best. We have been providing unmatched strength, winning defense, and superior solutions to physicians since 1899, three times longer than our closest competitor.


Dental and Vision

Direct Benefits and HBI have joined together to offer American College of Emergency Physicians Vision and Dental Insurance through Spirit Dental:

  • Plan of choice for Individuals, Seniors and Small Employer
  • Guaranteed Acceptance
  • No Waiting Periods
  • Choose your Own Dentist
  • Easy Online Enrollment and Quotes

Long-Term Care

You create a brighter future. We work to protect it.

Let us help find the right Long-Term Care insurance plan for you, so you can spend time on things that matter the most.

People are living longer these days, but as life expectancies increase, so does the risk of serious health problems that could require long-term care. In fact, at retirement age, 70% of Americans will need long-term care.1 And with the average cost for nursing home care in a semiprivate room equating to more than $89,292 per year, that could literally cost most or all of your life’s savings.2

Long-Term Care Insurance may not be for everyone. But with soaring healthcare costs, insurance restrictions and the need to stretch retirement savings through more years…it’s a good idea to seriously consider this valuable coverage while receiving a member premium discount.

Hagan Barron Intermediaries and Long-Term Care Resources work together to provide members with a comprehensive long-term care program that gives members the stability and flexibility they need to protect their future. Members also have access to an interactive and educational Long-Term Care evaluation tool to help them make the best decisions for their specific situation.

To learn more about how members can help protect their assets from the rising cost of long-term care, call 800-358-3795 or visit http://educationcenter.ltcr.com.

1 https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html, viewed 10/1/2019

2 Nursing Home Costs, https://www.seniorliving.org/nursing-homes/costs, October, 2019

The Long-Term Care Resources Network is only available for residents of the United States. Coverage may vary or may not be available in all states.


Group Home and Auto

As part of our ongoing effort to offer benefits to our members, we’re always looking for savings opportunities to pass along. That’s why we’re excited to tell you that MetLife is offering our members a discounted rate of up to 15% off on auto insurance. Get a custom MetLife Auto & Home® quote today!