If you work in health care in Maine, from the ICU to a rural clinic, you may be able to lower what you pay for home and auto insurance. Hanover, one of the carriers we work with, offers a 5% group discount on home and auto policies in Maine for medical professionals. Most people who work in health care may qualify; we confirm eligibility when we quote, then compare the Hanover option with our other carriers.
The Maine medical professional discount at a glance
- Carrier: Hanover
- Discount: 5% group discount for medical professionals
- Policies: home and auto
- Where: Maine policies
- Combining: may be combined with other Hanover group discounts, such as the alumni discount; we confirm eligibility when we quote
Who may qualify
We cast a wide net. If you work in health care, ask us, whether you’re:
- A registered nurse, LPN, nurse practitioner or CNA
- A physician, physician assistant or resident
- A radiology, lab, surgical or pharmacy tech
- A paramedic or EMT
- A therapist, pharmacist, dental hygienist or other licensed health worker
- Working in home health, hospice or long-term care
Most people who work in health care may qualify; we confirm eligibility when we quote. Not sure if your role counts? Ask us rather than assume either way.
From Portland to Bangor to Lewiston
Many of our medical clients work for Maine’s large health systems, such as MaineHealth, Northern Light Health and Central Maine Healthcare, while others work at independent practices, community hospitals, nursing homes and clinics across the state. Where you work doesn’t change how we check the discount; your role does.
It’s important to let us know what associations or alumni groups you belong to when you call.
Jon Merwin, Founder and CEO, Portsmouth Atlantic Insurance
Coverage notes for health care workers
Night shifts and winter driving
Driving home after a 12-hour shift on dark, icy Maine roads is a real risk. Review your auto liability limits, collision deductible and comprehensive coverage, which typically covers deer collisions. A discount helps, but the right coverage matters more after a crash.
Using your car for home visits
Visiting nurses, home health aides and hospice staff often drive their own cars between patients. Tell us how you use your car for work so your auto policy reflects it, and ask your employer how its own coverage and mileage policies work.
Your license is covered separately
Home and auto policies don’t cover professional liability (malpractice). Your employer may provide it, or you may carry your own policy. Strong personal liability limits and an umbrella policy protect your home and savings from personal claims, like a car accident.
Travel nurses and new hires
If you’re in Maine on a contract or just moved for a new job, a renters policy covers your belongings and liability in a short-term rental. When you’re ready to buy, we can bundle home and auto and check the medical professional discount.
How we compare options
Hanover’s group discounts may be combined, including with the alumni discount for college and university graduates; we confirm eligibility when we quote. If you also hold a college or university degree, our alumni insurance discounts guide explains the alumni discount.
We have been an independent agency since 2005 and work with 40+ carriers, so a group discount is one option we price, not the only one. We charge no agency or broker fees on personal lines. We are licensed in 10 states, have more than 1,000 Google reviews, and are the most-reviewed independent agency in New Hampshire, with over 2,000 client testimonials (read them here).
Our Portsmouth, New Hampshire office is just over the bridge from Kittery, and we serve Maine homeowners and drivers statewide. See our Maine homeowners and second-home insurance guide for more.
Get your quote
Fill out the form below and we will follow up with your options. Prefer to talk? Call (603) 431-4020 or use our quote page.
Frequently asked questions
How much is the medical professional discount in Maine?
Hanover offers a 5% group discount on home and auto policies in Maine for medical professionals. Most people who work in health care may qualify; we confirm eligibility when we quote.
Do CNAs, techs and EMTs qualify, or only nurses and doctors?
We cast a wide net. Nurses, doctors, techs, EMTs, therapists and other health workers can all ask. Most people who work in health care may qualify; we confirm eligibility when we quote.
Do I have to work for MaineHealth, Northern Light or Central Maine Healthcare?
No. Those are examples of large Maine employers. Health care workers at independent practices, nursing homes, clinics and home health agencies can ask too. We’re not affiliated with any health system.
Can I combine it with an alumni discount?
Hanover’s group discounts may be combined, including the medical professional discount and the alumni discount for college and university graduates. We confirm eligibility when we quote.
Does my homeowners policy cover malpractice claims?
No. Home and auto policies don’t cover professional liability. That comes from your employer or a separate professional liability policy. We focus on your personal home, auto and umbrella coverage.
Portsmouth Atlantic Insurance is an independent insurance agency. We are not affiliated with, endorsed by, or an official insurance partner of MaineHealth, Northern Light Health, Central Maine Healthcare, or any hospital, practice, professional association or union, and this is not an employer or association insurance program. Names are used only to describe who may be eligible for a carrier discount. The discount is offered by Hanover, an insurance carrier. Discounts may vary by carrier and eligibility, are subject to underwriting and carrier rules, and can change.