Advantage Program for APPs

Advantage Program for APPs

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Medical professional liability coverage for Advanced Practice Providers (APPs)

COPIC is excited to provide a coverage option for APPs that is insured under COPIC's Risk Retention Group and offered through Western Summit, LLC.

As the role of APPs continues to expand and many states are allowing APPs to practice independently, COPIC is working with Western Summit to offer medical liability insurance built upon our trusted coverage. Western Summit is an MGA (Managing General Agent/Underwriter) that has worked with APPs for decades on similar programs. COPIC's partnership with Western Summit is focused on stand-alone policies for APPs separate from existing COPIC policies. 


  • Eligible risks: Physician Assistants, Nurse Practitioners, Certified Registered Nurse Anesthetists, and Registered Nurses doing limited Aesthetics
  • Stand-alone MPLI policy offering separate limits of liability
  • Program is not available in all states
  • Limits of Liability: $1M/$3M maximum limit
  • Opportunity to earn CNE credits through online education modules
  • Access to cyber resource website (access available through COPIC’s website)


  • Claims-made or occurrence coverage
  • Consent to settle provision
  • Medical liability coverage: Defense costs are
    outside of policy limit
  • Covered Proceedings: $25,000 limit. Defense cost
    coverage for governmental investigations, medical
    board inquiries, disciplinary proceedings, and
    billing fraud and abuse investigations
  • Cyber liability coverage: $50,000 embedded


    • General Liability coverage
    • Prior acts coverage: Available, subject to underwriting approval
    • Additional insureds with shared limits, subject to underwriting approval
    • Medical Director/Supervising or Collaborating Physicians, subject to underwriting approval
    • 50% Part-Time Premium Credit if working 20 hours or less per week
    • Suspension of premium for military or medical leave, subject to minimum premium requirement
    • Extended Reporting Period (Tail Coverage): An offer to purchase Tail Coverage is part of the cancellation process for claims-made policies. The length of the Extended Reporting Period is unlimited, or upon exhaustion of policy limits.
    • Slot coverage

    Why Choose Advantage Program?


    Advantage Program is built on the strong, stable foundation of COPIC-RRG—COPIC Insurance Company is a financially stable company that earned its “A (Excellent)” rating from A.M. Best in 1999 and has maintained it without interruption since, and COPIC-RRG carries this same rating.

    Access to trusted experts and resources
    —As a COPIC-RRG insured, you will have direct relationships with our claims department and you have the option to access our extensive online patient safety and risk management resources which include on-demand educational courses to support efforts to improve outcomes.


    For APPs who are interested in coverage, please contact Katie Hilland at Western Summit.

    Direct: 954.724.3917
    Office: 954.475.0201