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Occurrence Based Medical Malpractice Coverage


PRF offers its policyholders the security of Occurrence Based Coverage while other insurers offer Claims Made Coverage. An occurrence policy provides coverage for any incident that occurs during the policy period, regardless of when a claim is made. A claims made policy only provides coverage when a claim is made during the policy period. 


For example, suppose that an obstetrician-gynecologist is insured with PRF in 2014. In 2016, he relocates his practice and is no longer insured with PRF. In 2019, the parents of an infant born in 2014 file a lawsuit for birth related injuries. Although the physician has relocated his practice and is no longer insured with PRF, he is still covered by his occurrence policy because the incident resulting in the claim occurred during his PRF policy period. The same physician with a claims made policy would not have coverage for this claim unless he had purchased additional “tail coverage.”

Discounted Prior Acts Coverage


PRF offers Prior Acts Coverage to accommodate providers who want to join PRF but face the obstacle of purchasing tail coverage from a former insurer. Our Prior Acts Coverage provides the same protection as tail coverage but at a substantially reduced price.


Occurence based medical malpractice coverage
PRF Plus Coverage

PRF provides PRF Plus coverage to all members, which includes the defense of regulatory proceedings, professional committee activities, and data security breaches. PRF Plus Coverage also includes notification and monitoring costs in the event of a data security breach.

Laboratory Coverage—Simple and Complex


PRF offers Laboratory Coverage for simple and complex office labs. The coverage is occurrence based and provides the same level of security as PRF’s medical malpractice policy for providers.

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