Our free online quick quotes tool can tell you! Just click on “Get Started,” answer a few simple questions and we’ll provide you quotes for multiple limit options. Or, call your group’s Customer Service Representative, and they will walk you through how to complete and submit a paper application for a quote.

Yes, buying your policy online is fast and easy. Select from the pull-down at the right to choose your profession. On the next page, choose your group, if applicable, then click “Get a Free Quote Now.” Answer a few simple questions to generate a quick quote. Choose the limit option you like, and proceed to apply for coverage. We’ll walk you through a few more questions about your practice and you can then purchasing your insurance securely online.

Yes, renewing your existing policy online is fast and easy. We’ve designed your renewal application to ask only the questions required to estimate your coverage. And, unless you have significant changes to the type of work you do or to the coverage you need, you should be able to complete your renewal in less than fifteen minutes.

To renew your policy, click on “My Account” at the top of any screen and log in. From there you can renew your policy and manage your account.

Yes. We maintain robust privacy and security measures to ensure your information is kept absolutely confidential.

At the first notice of a claim, lawsuit or potential claim, please contact your group’s Customer Service Representative, immediately. We will obtain the necessary information to get your claims process started.

We understand that being involved in a claim can directly affect your professional and personal life. Our claims staff is dedicated to listening, understanding and taking action to route your claim to the necessary experts that will be working on your behalf.

If a patient or client was injured, or you think there is potential for a claim, please refer to your policy for claim reporting instruction. If you have questions, please contact your group’s Customer Service Representative right away.

After you purchase a policy, you will get a packet of information that includes a proof of coverage certificate, claim information, and a complete insurance policy. If you requested certificate holders or additional insureds in your online application, these will also be included.

Our billing information will show up on your financial statement as "Lockton Insurance Online."

While you may be covered under an employer’s policy, it does not protect you from personal risk. You may still be liable for your own negligence, and as a result, all or part of a plaintiff’s award or settlement. It’s possible you may even be required to reimburse your employer for damages paid to a claimant. You can either assume this risk or buy insurance that transfers the risk. The only way to ensure that you’re covered for your professional acts is to have your own Professional Liability policy, issued in your name. Your policy will provide you with limits of liability of your choosing. And, because the policy is issued in your name, many potential conflicts of interest between you and your employer may be eliminated in the event a claim against you is filed.

Just visit the “My Account” link at the top of the page. This is where you can manage your account, access your policy information and:

  • Request a copy of your policy
  • Renew a policy
  • Request a change to your current policy
  • Submit a request for your Customer Service Representative to contact you
  • Update your contact information
  • Request a certificate of insurance

Yes, we will send your official renewal email from Lockton_info@locktonaffinity.com when your policy is ready to renew. Please be sure to add Lockton_info@locktonaffinity.com to your address book or “safe senders” email list.

If you are unable to complete the renewal process online, please contact us immediately to request a paper copy of the renewal application. Please note that a $20.00 processing fee will automatically be applied to all paper renewal applications that we receive. Customer Service Representatives are available to assist you from 8:00 a.m. to 5:00 p.m. CST, Monday through Friday.

If your policy has lapsed less than 30 days:

  1. Click on “My Account"
  2. Select Renew Online
  3. Log in by entering your policy number and answering one of the additional three questions
  4. Follow the quick and easy steps to complete your renewal

If your policy has lapsed more than 30 days:

  1. Click “Get a Free Quote Now” to get a quote
  2. Follow the quick and easy steps of our online application to purchase your insurance

Please note if coverage expires on a claims-made policy all existing and previous coverage periods will be voided

Group coverage (which covers more than one person on the policy) cannot be renewed online at this time. We will send you a paper renewal application approximately 90 days prior to the policy expiration date.

Nurses have the option of selecting claims-made or occurrence. If your policy provides claims-made coverage for the professional services you provide to your patients, it provides coverage for incidents that occur on or after your policy’s Retroactive Date (usually the date your uninterrupted claims-made coverage originally began). You may report claims involving professional services you performed in previous years, as far back as this policy’s Retroactive Date, as long as there was no interruption in your coverage from that date forward.

The limit of liability on an insurance policy is the maximum dollar amount that the insurance company will pay if a claim is filed against you.

The limit of liability that you choose should correspond to the size and scope of your practice as well as the dollar amount you believe would cover a claim that could be made against you. You should include the expense of defense costs and settlements in your decision. Because it is difficult to accurately estimate the maximum possible loss liability, professionals and organizations generally choose the highest limits of liability available to them.

Limits for this Professional Liability policy range from $250,000/$500,000 (limit per claim/annual aggregate limit) to $2,000,000/$4,000,000.

The limit per claim is the maximum dollar amount for damages and expenses that arise from claim.

The annual aggregate limit is the maximum total dollar amount that your policy will pay in your defense, per year.

As your professional skills grow and change—for example, you achieve a new level of education or expand your services—you should re-evaluate the limit of liability you carry. With claims-made coverage, you can increase your coverage limits each policy year. Whatever limit you select at the start of each coverage period will apply to any covered claim that may be reported during the coverage period, regardless of the date of the incident.