How it works
How Pro Mal coverage works
Four steps from quote to claim, and three keys to keeping your coverage strong.
From quote to claim
Four steps
Pick your Pillar.
Pillar I is supplemental, for clinicians who keep a malpractice policy and want it backed up for cannabis claims. Pillar II is primary, for clinicians who certify patients or want first-dollar cannabis coverage, with or without a malpractice policy.
Request your application.
Tell us your specialty, state and current coverage. Once we confirm Pro Mal fits, we email you a secure link to complete and sign your application online, which takes about 10 to 15 minutes. Premiums depend on your specialty, your state’s cannabis program, policy limits, retroactive date and deductible.
Use the consent form.
Each patient signs an Informed Consent Agreement before you first treat them. Pro Mal provides one, or use your own written by a licensed attorney. Keep a copy.
Report claims to Pro Mal.
Email claims@promalinsurance.com or call (888) 972-5378 as soon as you get a claim, a demand or a board notice. With Pillar I, also tender the claim to your malpractice carrier.
Claims-made, in plain English
What “claims-made and reported” means for you
Your policy covers claims first made against you, and reported to Pro Mal, while the policy is in force. The advice behind the claim must have been given on or after your retroactive date.
Your retroactive date can go back 1 to 5 years, or match your current malpractice policy, so advice you’ve already given can be covered.
When your policy ends, an automatic 60-day reporting period usually applies, and you can buy an extended reporting period of 12 to 60 months to report claims later.
Keys to coverage
Three things that keep your coverage strong
Follow your state’s program.
Recommend or certify within your licensed specialty and your state’s medical cannabis program, with products from a state-authorized dispensary or lawful hemp products.
Get signed consent.
No signed Informed Consent Agreement means no coverage for that patient’s claims.
Advise, don’t sell.
Advice and in-office use are covered. Selling or dispensing products for use at home is not.
When there’s a claim
Cannabis claims, handled by Pro Mal
Pro Mal handles cannabis claims and administrative hearings itself, with cannabis expert witnesses and cannabis and regulatory attorneys, in court and before licensing boards, state cannabis programs and the DEA. There’s no license surrender without your written consent, and your consent is required to settle. Defense and hearing costs are part of, and reduce, your policy limits.
Close the Medical Malpractice Cannabis Gap.
Tell us your specialty, state and current coverage, and we’ll show you which Pillar fits.