Cannabis Wrongful Acts coverage
Pro Mal covers your cannabis advice, including licensing board defense, with or without a malpractice policy.
The gap
Most malpractice policies exclude non-FDA-approved drugs, so a claim about your cannabis advice can be denied.
Whether you certify patients or simply treat patients who use it, cannabis affects your standard of care: dosing, drug interactions, and proper intake.
Licensing boards, state cannabis programs and the DEA can open a matter against you even when no patient sues.
Two ways to close it
Pillar I · Supplemental
If your malpractice carrier denies a cannabis-advice claim, or doesn’t answer within 60 days, Pro Mal pays what it won’t, up to your policy limit. Best for insured clinicians whose patients use cannabis, even if you never certify. Requires a malpractice policy.
About $1,500 a year on average, plus the $250 Risk Management Annual Fee
See Pillar IPillar II · Primary
Primary coverage for your cannabis advice, with a duty to defend from day one. No malpractice policy required, and no waiting on another carrier. Best for certifying clinicians, and chiropractors and others using CBD.
About $3,000 a year on average, plus the $250 Risk Management Annual Fee
See Pillar IIWhy Pro Mal
Pro Mal handles every cannabis claim and administrative hearing directly, not through a general malpractice adjuster.
Cannabis expert witnesses and cannabis and regulatory attorneys defend insureds in court and before licensing boards, state cannabis programs and the DEA.
Every policy includes Pro Mal’s cannabis risk management program: informed consent, documentation, drug interactions and follow-up, the cannabis science behind them, and the Pro Mal Quality Assurance Manual.
Included with every policy
Coverage pays when something goes wrong. Pro Mal’s risk management program helps keep it from going wrong. Every policyholder gets the tools and training to give cannabis advice that meets the standard of care.
Pro Mal Risk Management Services go further: a quarterly Quality Assurance Manual, a Cannabinoid Evidence Library, an annual Credentialing Audit, and workers’ compensation and CMS BEI support for practices and facilities.
In their words
Before Pro Mal I felt like I was vulnerable discussing cannabis with my patients. Now I can focus on their care plan and not worry about frivolous lawsuits. Plus, their educational content reinforces my understanding of the complexities associated with cannabis use.
Cannabis use in my patients has increased dramatically and I was not confident my malpractice would cover me. Knowing Pro Mal actively covers that exposure puts my mind at ease.
The lack of standardization and high levels of THC in marijuana are risks my patients face. With the astonishing rise in use I worry about my risks. Coverage from Pro Mal calms those fears so I can keep my mind on my patients.
Tell us your specialty, state and current coverage, and we’ll show you which Pillar fits.
