FAQ

When you choose a malpractice carrier, you are looking for more than a company that will pay a claim. You are looking for a talented legal defense team that will work to protect your reputation. Our legal team is the best in the country and our 38 year track record fighting claims is on average, four times more effective than any other carrier resulting in much lower premiums offered by similar carriers.

AM Best “A- (Excellent)” Rating – Based on AM Best’s determination that the Company has “an excellent ability to meet their ongoing obligations to policyholders”, AM Best has assigned the rating of “A- (Excellent)” to APIC. APIC’s Financial Size Category is IV. The objective of Best’s credit Rating System is to give an opinion of an insurer’s financial strength and ability to meet ongoing obligations of policyholders. Best has made its determination after an evaluation of the Company’s balance sheet strength, operating performance, and business profile, as compared to Best’s quantitative and qualitative standards.

You will never see us charging higher rates and then offer a dividend to justify those rates. Our discounts are consistent year in and year out when dividends may or may not be granted. There are no special discounts that apply to limited groups to offset high prices. What Allied offers is the best rate for top quality malpractice insurance available anywhere.

How would you like to pay less than 50% of a normal annual rate for your first year of malpractice insurance? That’s right, 50%; and in most cases, you’ll even pay less. Over the past decade, we have proven to our underwriters that a new practitioner, just completing college, is a good risk. The result is an outstanding new licensee discount program. If you are a recent graduate, there is absolutely no better place to get malpractice coverage than through the Allied Preferred Insurance Services.

Allied has always focused on professional liability for specialty healthcare providers. We have over 38 years of experience defending our insureds from a wide range of spurious and exaggerated claims of misconduct, Allied is uniquely equipped to provide our clients with an effective defense team should a problem arise. Unlike other kinds of exposures, with professional liability coverage, the ability to effectively defend against a claim is critical to our clients. When claims are made, our clients reputation, and in many cases, their livelihood is at risk. Allied’s highly experienced legal defense team manages a carefully constructed and specialized network of attorneys nationwide to achieve unparalleled results. We do not settle claims just because its the least expensive way to settle a dispute and we always confer with our insureds before we take any action.

No we offer both required arbitration policies and non-arbitration based policies. We think the savings is so substantial we hope you consider arbitration but its not mandatory.  One of our representatives will give you both and you can decide.

Besides significantly lower premiums due to our reduced legal expenses, arbitration agreements are a great deterrence to individuals who have the predetermine purpose to commit fraud. Read More Here

Yes in every way possible through our affiliates the National Chiropractic Council, the American Acupuncturist Council and Allied Professionals Insurance Services.

Yes we offer annual, quarterly and monthly payment options.