For more than three decades, Princeton Insurance has specialized in providing tailored insurance coverages to meet the needs of New Jersey’s healthcare community. Our specialized programs offer sound insurance protection backed by demonstrated financial stability. We continually evaluate our coverages and develop new approaches and resources when needed based on the ever-changing healthcare and legal climate in which our policyholders practice. Our three main coverage types are:

Occurrence is a policy form that provides coverage for claims that occurred during the policy period. The limits in effect at the time the claim occurred will respond.   Occurrence Plus is a policy form that combines the features of both Occurrence and Claims-Made forms. The claim occurred during the policy period, which is after the retroactive date and prior to the expiration date of the policy; and The claim is reported to the Company during the policy period, which is after the effective date and prior to the expiration date of the policy. Coverage is provided for claims that occurred during the policy period. However, policy limits in effect when the claim is reported (rather than the limits in effect at the time the incident occurred) will respond. Extended Reporting Period (Tail) coverage is included at no additional cost. Claims-Made is a policy form that provides coverage for claims whereby: The claim occurred during the policy period, which is after the retroactive date and prior to the expiration date of the policy; and The claim is reported to the Company during the policy period, which is after the effective date and prior to the expiration date of the policy. The limit in effect at the time the claim is reported will respond. When a Claims-Made policy is terminated, or if an individual is removed, an Extended Reporting Period (Tail) must be purchased to ensure coverage for claims made after the termination date.   An Extended Reporting Period (Tail) Endorsement is provided at no cost if cancellation is due to death, total disability or retirement after five (5) years of being on a Claims-Made policy and reaching 55 years of age.

Superior Protection

We also offer our policyholders:

• Three corporate options:
  • Separate Limits of Liability
  • Defense Only - Liability Arising from "Professional Services"
  • Shared Limit of Liability
• Claims-Made Billing Investigation/Proceedings Defense Only Coverage
• Licensing Board Actions - Defense Coverage

For More Information

• If you are not a current policyholder, please call Marketing Manager Jonathan Lazar at 609-951-5872 or go to our Find an Agent page to select an agent.
• If you are a current policyholder, please call your underwriter or your independent agent.

Customer Service

Princeton Insurance places a strong emphasis on customer service: