Skip to main content



LSA policyholders who complete a qualifying 2-hour CME activity may be eligible for a 2.5% premium discount that will be applied to their next eligible policy period. Two courses can be taken, for up to 5% discount per policy term.

For new policyholders, a CME discount can be applied retroactively to the inception of the policy, if completed within the first 30 days of the policy’s effective date.


Experience discounts are offered to policyholders with favorable claim experience. Discounts range from 2% to 20%, depending on length of time with LSA.


Leave of absence discounts include:

  • 100% premium reduction for medical or military leave;
  • 75% premium reduction for an underwriting approved leave, such as for academic or sabbatical purposes;
  • 85% premium reduction for maternity or paternity leave up to 12 weeks (longer if medically necessary).


Part-time discounts are available based on the number of hours worked per week. Physicians working 15 hours or less may receive up to a 50% discount. Physicians working 16 to 30 hours may receive up to a 25% discount.


New-to-practice discounts are available to physicians who are entering practice for the first time immediately upon completion of graduate training, military service, or holding an academic position. This discount is 40% for the first year in practice and 20% for the second year. Generally, no other discount is given other than CME in conjunction with this discount.