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Low rates for low-risk practices. That's Optimal.

Did you receive a unique offer code from us?
You're a few short steps away from claiming your introductory rate through the service team at ProAssurance.
Discount codes are unique to the individual addressed in the mailing and are not transferrable.

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Contact
Call ProAssurance Agency at 844-331-6298 or fill out the form below.
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Verify
It's a seven digit alphanumeric code found on the offer we sent you.
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Confirm
Confirm you've had no medical malpractice verdicts or settlements and no open claims.

Optimal’s premium discount structure

An representative from ProAssurance Agency will work with you to verify your history of zero claims and eligibility for the program.
You can expect to get a firm, bindable quote in just minutes. Call ProAssurance Agency at 844-331-6298 or fill out the form below.

70%
year one discount*
50%
year two discount
35%
discount year three+
Coverage limits of  
$1,000,000 per incident and  
$3,000,000 aggregate per year

*Qualifying applicants earn an introductory discount of 70% off the undiscounted rate filed in their state. For example, the current mature claims-made rate at $1,000,000/$3,000,000 limits for a non-surgical family practice physician or pediatrician in North Carolina is $9,994 resulting in a premium of $2,998.

Reserve Your Offer!

Claim your 70% discount offer now OR reserve it for later. For those ready now, call ProAssurance Agency at 844-331-6298 or complete this form and we'll contact you right away. If you'd rather act closer to your current policy expirations date, using this form to set a reminder locks in this offer.

Take Advantage of Optimal Coverage from ProAssurance

ProAssurance provides medical professional liability insurance and risk management services for healthcare providers of all sizes and types. It is among the top 5 largest medical professional liability carriers in the country and uses regional expertise to create customized coverage solutions.

ProAssurance Group is rated “A” (Excellent) by AM Best as of 7/9/2025. This is the third highest of 16 rating levels. AM Best’s financial strength rating is assigned to companies that have, in their opinion, an excellent ability to meet their ongoing insurance obligations.

Optimal Practice Insurance

ProAssurance is a top medical professional liability insurance group with nearly 50 years in the industry with experience providing coverage for healthcare professionals nationwide. The company maintains a strong financial position to ensure their ability to meet their financial obligations for their insureds.

Throughout the life of your policy, you will have access to risk management expertise via an extensive library of tools and resources accessible 24/7. Risk management and claims professionals are available to discuss your practice needs during regular business hours.

Learn more about ProAssurance.

Frequently Asked Questions

About ProAssurance Agency

The agents at ProAssurance Agency are part of the ProAssurance Group and specialize in malpractice insurance coverage placements. The agency can provide business owners and professionals insurance solutions for protecting their business assets, management liability, workers’ compensation, cyber and regulatory risks, professional and personal coverages.

Optimal Practice Insurance offered exclusively through ProAssurance Agency.

In the event of a malpractice allegation, your claims will be managed in-house by ProAssurance claims specialists and not sent off to a third party administrator. You will have consent-to-settle privileges during the life of your case, where available by law.

Your agent can discuss the policy terms, services, and payment options.
What medical specialties does optimal cover?

Optimal is available to non-surgical family medicine and pediatric practices at this time in Arizona, Colorado, North Carolina, and Tennessee.
How do I know I am eligible for the Optimal program?

If you received an introductory offer from the ProAssurance Optimal team you are eligible to apply for Optimal coverage through ProAssurance. There are some disqualifiers which may limit your ability to take advantage of the Optimal discount.

  • Pediatric neonatology is not eligible for program coverage.
  • Family Practice coverage does not include options for surgery or obstetrics.
  • Coverage is not available for practices focused on weight loss procedures/duties.
  • Practices must have less than five percent deviation (subject to evaluation)—nursing home, correctional facility/inmate exposures are ineligible.
  • More than incidental telemedicine exposure (10 percent of practice) disqualifies the practice from the program.
  • Practice exposure outside of Arizona, Colorado, North Carolina, and Tennessee is not covered.

Practices which include these traits may still be eligible for coverage from ProAssurance. The ProAssurance Agency team can assist you in reviewing your options.
How do I get a quote from Optimal?

Those eligible for the Optimal discount rating program receive a direct mail offer with a unique seven-character offer code.

If you are interested in a quote, contact ProAssurance Agency directly at 844-331-6298 or email apply@myoptimalpractice.com. A representative will ask you to verify the offer code on your mailing and confirm your malpractice claims status. Once those steps are complete you will be able to reserve your 70% discounted introductory rate.
How do I report an incident or a claim?

If you experience an event that you are concerned may lead to a claim—or you receive notice of a claim—during your policy period, the ProAssurance claims team is here to help. You will receive contact information for the claims team as part of your policy documents, but you can always find contact information to report a claim on the ProAssurance website.
What types of risk management services are available?

All Optimal insureds will receive access to  ProAssurance's comprehensive risk management services from our carrier partner including:

  • A risk management consultant helpline for calls or emails during regular business hours
  • Complimentary access to a library of CME-bearing education materials
  • A library of risk management publications and related resources such as closed claims cases, sample forms, articles, and more

Check out the full library on ProAssurance’s Risk Management website.
What is the discount after the third year? Customers who continue to remain eligible for the program keep their third year discount of 35% in year four and all subsequent years. 
If I switch, do I have to buy tail coverage from my current carrier? No. You can, but you don't have to. The Optimal program offers “prior acts” coverage back to the retroactive date of your current policy. While you do need to report any incidents about which a claim may arise to your current carrier, you do not need to purchase tail coverage when you switch.
Example

Colorado

Family Physicians
Pediatricians
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Cost Savings To You With Optimal
Pay elsewhere
$11,101
/yr
$8,836
/yr
SAVINGS
$7,771
/yr
$6,185
/yr
YOUR RATE
$3,330
/yr
$2,651
/yr

Pediatricians

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Savings With Optimal
Pay elsewhere
SAVINGS
YOUR RATE
Arizona
$12,847
$8,993
$3,854
Colorado
$8,836
$6,185
$2,651
North Carolina
$9,994
$6,996
$2,998
Tennessee
$10,405
$7,284
$3,121

Family Physicians

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Savings With Optimal
Pay elsewhere
SAVINGS
YOUR RATE
Arizona
$12,847
$8,993
$3,854
Colorado
$8,836
$6,185
$2,651
North Carolina
$9,994
$6,996
$2,998
Tennessee
$10,405
$7,284
$3,121

Family Physicians

Family Physicians
Pediatricians
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Optimal Breakdown
Pay elsewhere
SAVINGS
YOUR RATE
Arizona
$12,847
$8,993
$3,854
Colorado
$8,836
$6,185
$2,651
North Carolina
$9,994
$6,996
$2,998
Tennessee
$10,405
$7,284
$3,121