Healthcare Professional Liability Insurance

Certitude is a healthcare professional liability insurance program created exclusively for physicians and healthcare providers who are affiliated with an Ascension health ministry. Certitude helps physicians and healthcare providers work together with their Ascension hospital and ProAssurance to work towards a goal of increasing patient safety, lessening risk, and building a strong defense team.

Certitude is designed to support patient safety and protect physicians and healthcare providers who are affiliated with participating health ministries.

Created in 2011 for Ascension and underwritten by ProAssurance companies, Certitude features a unified risk management approach that focuses on patient safety, alignment of physicians and hospitals, cost savings, and fair treatment to help ensure better outcomes and greater peace of mind. Certitude protects more than 3,000 physicians and healthcare providers at nearly 20 Ascension health ministries with more sites being added.

Reducing Risk with Unified Support
Certitude features a unified risk management approach that helps physicians, their Ascension hospital, and ProAssurance work together toward a goal of increasing patient safety, lessening risk, and building defensibility.

Certitude members can call a ProAssurance Risk Resource Advisor to receive personalized support for unique concerns. These advisors are familiar with your state’s legal and medical environment, ensuring they provide accurate and realistic information. Complimentary risk management resources, including seminars, newsletters, sample forms, and online tools, are also available.

Defending Malpractice Claims with a Unified Defense
ProAssurance is recognized as a national leader in strong physician claims defense. In fact, when comparing Certitude’s claims results to the Medical Professional Liability Association’s Data Sharing Project (2016-2018—the most recent period available)*:

89% of Certitude malpractice claims defended by ProAssurance
were closed without indemnity paid
71% of overall malpractice claims closed in the U.S.
were closed without indemnity paid

When appropriate, ProAssurance’s unified approach to claims ensures the hospital and its physicians are fairly represented during the claims process. Aligning these parties allows the physician’s voice to be heard at every important step.

Certitude Eligibility
Ascension-affiliated physicians are eligible to participate in Certitude, subject to underwriting criteria. This includes participating in periodic risk management reviews. ProAssurance underwrites individual policies based on set variables (physician rating classifications, rating territory, limits, etc.) modified to reflect physicians’ claim history and participation in risk management initiatives.

Additional Certitude Coverage Options

  • Enhanced coverage—extended reporting endorsement (tail) coverage for death, disability, and retirement and for certain peer review services based on policy conditions.
  • CyberAssurance® helps address the ever-growing risk of cyber threats that physicians face.
  • Interest-free payment options are also available to help with physician cash flow.

Other policy options may be available in certain states.


*Data analysis provided by MPL Association Data Sharing Project Dashboard/ProAssurance. Copyright, 2021. MPL Association.
The information provided may be used for personal use only. Any other use requires prior permission of the MPL Association.

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Why ProAssurance?

The ProAssurance culture is firmly rooted in the uncompromising
principle of fairness.

  • Providing clarity—we pledge honesty, consistency, enthusiasm, and transparency
  • Sharing control—our insureds have a voice in their defense with considerate guidance and rigorous legal support
  • Lessening uncertainty—keeping healthcare providers informed with extensive risk management resources
  • Defending good medicine—we maintain solid financial reserves to protect and support favorable outcomes