Best Patient Injury Insurance Firms in USA

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Malpractice Insurance Guide helps you understand the three factors that go into choosing a policy: Coverage, Carrier, and Cost.

• Coverage: Difference between policy types and which is right for you.
• Carrier: How to choose between carriers and which stats to compare.
• Cost: How annual premium is calculated and why value wins over price.

A MedPro policy has it all — and then some. Here is what you can expect from our industry-leading malpractice coverage.

• Flexible, customizable coverage
• Comprehensive nationwide coverage
• Solutions to fit your practice
• Stable and fair pricing
• Annual premium discounts
• Peace of mind during claims

Once you're covered by MedPro, our team becomes part of yours. We're dedicated to great customer service and easy-to-use tools.

• Reliable service: Dedicated service team for quick answers.
• Payment plans: Choose a premium payment plan that works best for you.
• Risk consultations: Talk through risk issues with an expert risk solutions consultant.
• Claims support: The best claims defense team will be on your side.

Provides multiple methods and resources for reporting claims for different insurance lines, including preferred counsel lists, online portals, email, phone, and mail addresses.

• Commercial Public Directors & Officers Preferred Counsel contact list
• EPLI Preferred Counsel contact list
• Ocean Marine claims online reporting
• Employer Stop Loss claims reporting
• Travel claims reporting via website, email, phone, or mail
• Berxi claims reporting via email, phone, or mail
• General claims reporting via email, phone, or mail

Lists the heads of claims for various lines and regions, including contact information.

• Rob Romeo – Head of Claims, North America
• Jeff Murdock – Head of U.S. Property Claims
• George Marr – Head of Specialty Programs Claims
• Jeff Jubera – Head of Surety Claims
• Ariane Totzke – Head of Travel Claims
• Kathryn Ridenour – Head of Professional and Construction Claims
• Theresa Biedermann – Head of Executive & Professional Lines Claims

Downloadable resources on claims excellence for general, marine, and travel claims.

• Claims Excellence
• Claims Excellence Marine
• Claims Excellence Travel

The Doctors Company is the nation’s largest physician-owned medical malpractice insurer, protecting more than 100,000 physicians and surgeons nationwide. They deliver superior coverage and are the only carrier able to relentlessly defend, protect, and reward the practice of good medicine with national resources and local clout. They also provide comprehensive risk solutions for large groups, healthcare systems, and hospitals.

• Coverage for more than 100,000 physicians and surgeons
• Comprehensive risk solutions for large groups, healthcare systems, and hospitals
• Expert guidance, resources, and coverage

Your defense starts with a promise to never settle a claim without your consent, where permitted by law. If you are sued, seasoned advocates will support you throughout the litigation process and teach you the skills necessary to be a strong player in your own defense.

• Never settle a claim without your consent (where permitted by law)
• Support throughout the litigation process

Free tail coverage is offered for qualified members upon retirement from the practice of medicine or in the event of disability or death.

• Free tail coverage for qualified members upon retirement, disability, or death

MediGuard coverage is automatically provided as part of the medical malpractice policy. This coverage provides legal representation for administrative actions brought by Medicare/Medicaid, medical licensing boards, credentialing reviews and actions, professional review organizations, federal agencies regarding EMTALA, and the DEA.

• Legal representation for administrative actions
• Covers actions by Medicare/Medicaid, licensing boards, credentialing reviews, EMTALA, DEA

CyberGuard liability protection is included as part of core coverage to address privacy and data security exposures, which are a growing threat to medical practices.

• Cyber liability protection for privacy and data security exposures

Members have access to a wealth of resources, including industry-leading programs that help doctors and practices implement effective protocols, resulting in significantly fewer allegations of malpractice. The industry’s largest claims database enables anticipation of emerging trends and delivery of innovative patient safety tools.

• Access to patient safety resources
• Data-driven risk management
• Innovative patient safety tools

The Tribute® Plan rewards members for their loyalty and commitment to superior patient care. Over $200 million has been paid in Tribute awards, with the highest award paid to date being $264,808.

• Rewards for loyalty and superior patient care
• Over $200 million paid in Tribute awards

Premium credits and discounts are available for members who demonstrate a strong commitment to their specialty.

• Premium credits and discounts for specialty-specific programs

ProAssurance is a leading national insurance company with a history of success in and out of the courtroom. With over 45 years of experience serving physicians, ProAssurance is committed to defending good medicine and providing strategies to help your team confidently pursue high standards of care.

ProAssurance has malpractice insurance solutions for large regional or national physician healthcare organizations and hospital/health systems. No matter the size of your medical liability risk, ProAssurance can work with you and your agency/broker to create a customized insurance solution.

ProAssurance offers a variety of products and programs for specific specialties and providers. Ask your appointed agent or underwriter if one of our programs could be the right fit for your practice.

• Preferred Physicians Group (PPM): Anesthesia-focused mutual insurance company.
• Optimal Practice Insurance: Affordable insurance for non-surgical family medicine and pediatric practices in AZ, CO, NC, TN.
• Ob-Gyn Risk Alliance (OBRA): Exclusively for obstetrician-gynecologists, includes patient safety program and profit-sharing.

Innovative liability solutions for emerging healthcare classes of risks with diverse needs. The Excess & Surplus (E&S) division provides single-source solutions for alternatives to the standard market. Solutions may include varying levels and structures of coverage to suit your needs.

• Coverage for telemedicine, virtual medicine, locum tenens, emergency medicine, multistate, multispecialty, risk sharing, and more.
• Customizable options: consent to settle, tail coverage, defense costs, self-insured retentions and deductibles, incident reporting.
• Reentry Program Option: For those wishing to enter the standard market, subject to program fee, interview, documentation, and compliance.

Large group options present the opportunity to share risk and rewards for good outcomes according to the level of risk you assume.

• Loss portfolio transfers (LPT): Transfer liabilities (known claims and IBNR or only IBNR).
• Prior acts reporting coverage: For tail exposures when purchasing physician practices.
• Loss sensitive programs: Large deductible plans, retrospective rating, profit share options.
• Alternative risk programs: Turnkey captive solution through Inova® program or other options.

ProAssurance Group subsidiaries offer coverage options for dentists, chiropractors, and podiatrists.

• PICA: Podiatric Physicians Medical Professional Liability Insurance Program.
• OUM: Medical professional liability insurance for chiropractors.
• DentistCare: Professional liability insurance for dentists, oral surgeons, and dental specialists.