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Best Patient Injury Insurance Firms in USA

Non-sponsored, Expert Verified and Transparently Ranked Patient Injury Insurance Firms in USA

Published: January 2, 2026 | Verified by: Ted Scheiman & Rob Watts

Executive Summary

We analyzed 5 solutions. Top Recommendation: Malpractice Insurance by MedPro Group scored highest due to Best for large health systems, multi-specialty groups, and hospitals needing deep claims defense and balance-sheet strength. Offers A++ AM Best ratings and Berkshire Hathaway backing [1](https://www.businesswire.com/news/home/20210630005686/en/AM-Best-Affirms-Credit-Ratings-of-Members-of-MedPro-Group), broad coverage across providers and facilities [2](https://www.medpro.com/), and significant hospital market penetration [3](https://www.medpro.com/)..

Content Verification

15
Total Sources
January 2, 2026
Last Verified
100%
Evidence Coverage

Side-by-Side Comparison

Feature#1 Malpractice Insurance (MedPro Group)#2 Claims Services (Berkshire Hathaway Specialty Insurance (BHSI))#3 Medical Malpractice Insurance (The Doctors Company)#4 Medical Malpractice Insurance (ProAssurance)#5 Risk Mitigation Services (Coverys)
Best ForBest for large health systems, multi-specialty groups, and hospitals needing deep claims defense and balance-sheet strength. Offers A++ AM Best ratings and Berkshire Hathaway backing [1], broad coverage across providers and facilities [2], and significant hospital market penetration [3].Best for integrated health systems and academic medical centers needing high-capacity, customizable programs. Provides institutional HPL/GL, umbrella and excess options [1], A++ paper via Berkshire Hathaway’s National Indemnity group [2], and collaborative risk management with leading vendors [3].Best for physician groups and academic medical centers seeking a physician-owned carrier with robust risk management. Delivers A-rated financial strength [1], extensive patient safety resources and CME [2], and coverage for large groups and hospitals [3].Best for multi-state providers needing flexible MPL options and proven financial stability. Provides A-rated AM Best strength and top-five market share [1], tailored coverage for physicians, hospitals, and senior care [2], plus streamlined application paths for complex risks [3].Best for hospitals and outpatient organizations prioritizing risk mitigation and analytics alongside MPL coverage. Offers A (Excellent) AM Best financial strength [1], 50 years’ healthcare focus and broad segment coverage [2], and enterprise risk resources to reduce patient harm [3].
Claims Defense ExpertiseProven claims defense: 90% trial win rate; 80% of claims closed without payment (last 10 years). (medpro.com) Pure consent-to-settle gives insureds final say; defense costs are paid outside policy limits; and a nationwide panel of specialized defense counsel supports cases. (resource.medpro.com)Seasoned, line‑specific claims professionals coordinate defense strategy, supported by preferred defense counsel panels (D&O, EPL). (bhspecialty.com) Collaborative decision‑makers and service standards ensure prompt communication and proactive involvement in third‑party litigation. (bhspecialty.com) Dedicated healthcare claims leadership; regional teams deliver local expertise. (bhspecialty.com)Seasoned claims experts and top defense attorneys provide aggressive trial strategies and step-by-step support. (thedoctors.com) The Doctors Company will not settle a claim without your consent (where permitted by law). (thedoctors.com) For enterprises, it offers coordinated claims defense across hospitals and systems. (thedoctors.com)ProAssurance assigns dedicated claims specialists who coordinate defense with select MPL litigators; they attend interviews, depositions, mediations, and trials, leveraging local legal expertise. (proassurance.com) After-hours triage available. (proassurance.com) From 2020, 2024, 77% of claims closed without indemnity, indicating strong defense outcomes. (proassurance.com)In-house claims experts deliver vigorous defense from day one via prompt investigations, proactive litigation management, and a dedicated Litigation Management Unit. They partner with vetted malpractice defense counsel, offer expert-witness databases and trial prep, use ADR (including the REACT program), and cite a track record of defense verdicts at trial. (coverys.com)
Risk Mitigation ServicesSenior risk consultants deliver consultations, onsite assessments/surveys, and policy reviews, plus consultative advice via phone/email. (medpro.com) MedPro offers online continuing-education programs (with potential premium credits) and a robust resource library, risk tips, tools, case studies, and manuals, covering documentation, informed consent, EHR/HIPAA, communication, and more to reduce malpractice exposure. (medpro.com)Pre-loss guidance with underwriting; rapid deployment of best-in-class resources to mitigate losses; preferred defense counsel panels (D&O, EPL) to control litigation; and cost-containment assistance for Employer Stop Loss claims. (bhspecialty.com)Patient Safety INSIGHT services: practice risk assessments with custom action plans; claims analysis; online safety-culture diagnostic; communication/teamwork training; on-site/online CME; support from patient safety risk managers. (thedoctors.com) Guided Risk Self-Assessment modules and Quick Check tools. (thedoctors.com) For systems: risk analytics/benchmarking, collaborative performance improvement, and 24/7 access to claims/patient safety experts. (thedoctors.com)Risk Management services include: consultant helpline/email and onsite consultations/office assessments; CME-eligible webinars and Loss Prevention seminars; resource library (guidelines, sample forms/checklists, videos, podcasts); publications (Claims Rx, malpractice case studies); staff education and tabletop exercises; risk assessments and customized risk-reduction strategies. (proassurance.com)Data‑informed clinical risk analytics; real-time access to expert risk consultants (consultation line); focused culture‑of‑safety risk assessments (onsite/virtual) with benchmarking/gap analysis; targeted education via Med‑IQ/CME; robust risk resources; and REACT support after adverse events, delivered within RiskRx PRO to proactively reduce claims and improve patient safety. (coverys.com)
Financial Stability RatingA.M. Best Financial Strength Rating: A++ (Superior); outlook Stable. Last affirmed July 18, 2025 for MedPro Group members. (markets.financialcontent.com)AM Best Financial Strength Rating: A++ (Superior), stable outlook; S&P insurer financial strength: AA+. Ratings apply to Berkshire Hathaway Specialty Insurance Company as part of Berkshire Hathaway’s National Indemnity group. (bhspecialty.com)AM Best: A (Excellent) FSR, Outlook Positive (affirmed Oct 2, 2025). (thedoctors.com) Fitch: A (Strong) IFS, Outlook Stable (affirmed June 30, 2025). (prnewswire.com) Also listed on provider’s Financial Strength page. (thedoctors.com)Financial Stability Rating: AM Best Financial Strength Rating A (Excellent), Outlook Stable, for ProAssurance Group and subsidiaries; last affirmed July 9, 2025. (investor.proassurance.com)Financial Stability Rating: AM Best A (Excellent). Outlook: Negative, revised September 26, 2024, for Coverys Companies’ underwriting entities (e.g., Medical Professional Mutual, ProSelect, PPIC, Coverys Specialty, Coverys RRG). (coverys.com)
5 Companies Listed
medpro.com

MedPro GroupCompany Information

MedPro Group is a leading provider of healthcare liability insurance and risk management solutions for healthcare professionals, hospitals, and facilities. With over 115 years of experience, they offer customized insurance, claims, and patient safety solutions.

Industry: Insurance
Type: private
Employees: 501-1K
Founded: 1899
Location: Fort Wayne, IN
Revenue: over 1b
Stock: . (NYSE)
Phone: +1 800-463-3776

Keywords

healthcare liability insurance
risk management
healthcare professionals
hospitals
facilities
insurance solutions
patient safety
malpractice insurance
healthcare insurance
insurance services

Description

Founded in 1899, MedPro Group is the original malpractice insurance company in the U.S. and offers comprehensive malpractice insurance across a spectrum of healthcare specialties. It is now part of Berkshire Hathaway.

What They Do

Provides malpractice insurance and risk management solutions for healthcare professionals.

Who They Serve

Healthcare providers including physicians, surgeons, dentists, chiropractors, and hospitals.

Key Value Propositions

Leading malpractice insurance coverage
Tailored coverage solutions for different healthcare specialties
Strong claims defense and risk management support

What Customers Say

"It wasn’t until after I had a claim that I realized how thankful I am that my group chose MedPro Group. They took fantastic care of me."

Dr. C, MD

"Working with the MedPro team has been fantastic. They made me feel comfortable as I made the nerve-wracking decision to switch from a carrier I’d been with for over 20 years."

Dr. D, DPM

"I reminded myself that I’m the expert in my profession, and they’re the expert in theirs. I trusted MedPro to do their job, and they did – winning my case."

Dr. M, DDS

"The lawyer MedPro Group appointed me understood my specialty very well. He was very good about knowing the facts and was able to understand the issues surrounding my case."

Dr. H, MD

"Everybody was absolutely awesome. They could predict how proceedings were going to go because of their experience in the field, which made me feel taken care of."

Dr. O, DMD

"Healthcare is a serious business with potentially huge liabilities. Knowing I have a carrier who will be there to defend me if needed, allows me to focus on providing the best care."

Dr. Z, MD

Target Customers

Physicians
Surgeons
Dentists
Chiropractors
Hospitals
Senior Care Facilities

Industries Served

Healthcare

Contact Information

Social Media

Summary

Comprehensive medical malpractice coverage for physicians, hospitals, senior care, and other healthcare organizations. Backed by Berkshire Hathaway with A++ AM Best ratings, MedPro pairs broad protection with industry-leading claims defense and proactive risk management for patient injury allegations.

Key Features

  • Flexible, customizable coverage options
  • Solutions tailored to fit individual or group practices
  • Stable pricing informed by 125+ years of data
  • Annual premium discounts available
  • Claims support with a dedicated defense team
  • Reliable customer service
  • Multiple payment plan options
  • Risk consultations with expert consultants

Key Benefits

  • Comprehensive nationwide coverage
  • Customizable solutions for any group size or structure
  • Stable and fair pricing based on extensive industry experience
  • Annual premium discounts (e.g., for CE courses, claim-free history)
  • Proactive and supportive claims response
  • Dedicated customer service
  • Flexible premium payment plans
  • Access to risk consultations with experts

Who Is It For

  • Healthcare professionals
  • Healthcare organizations
  • Medical groups of any size or structure

Find the right coverage

Fill out a few details and we'll take it from there.

Learn the basics

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.

We've got you covered

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

At your service

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.

Take the next right step

Resources

Supporting Resources

Detailed Comparison

Claims Defense Expertise

Proven claims defense: 90% trial win rate; 80% of claims closed without payment (last 10 years). (medpro.com) Pure consent-to-settle gives insureds final say; defense costs are paid outside policy limits; and a nationwide panel of specialized defense counsel supports cases. (resource.medpro.com)

Risk Mitigation Services

Senior risk consultants deliver consultations, onsite assessments/surveys, and policy reviews, plus consultative advice via phone/email. (medpro.com) MedPro offers online continuing-education programs (with potential premium credits) and a robust resource library, risk tips, tools, case studies, and manuals, covering documentation, informed consent, EHR/HIPAA, communication, and more to reduce malpractice exposure. (medpro.com)

Financial Stability Rating

A.M. Best Financial Strength Rating: A++ (Superior); outlook Stable. Last affirmed July 18, 2025 for MedPro Group members. (markets.financialcontent.com)
2Berkshire Hathaway Specialty Insurance (BHSI) logo
Berkshire Hathaway Specialty Insurance (BHSI)
bhspecialty.com

Berkshire Hathaway Specialty Insurance (BHSI)Company Information

Berkshire Hathaway Specialty Insurance is a global specialty insurance provider, offering a range of insurance products and services to customers worldwide. With a strong financial foundation and a proven track record of risk management, the company provides tailored solutions for businesses and individuals across various industries.

Industry: Insurance
Type: public
Employees: 1K-5K
Founded: 2013
Location: Atlanta, GA
Revenue: 200m 1b
Phone: +1 617.936.2900
API: No

Keywords

specialty insurance
risk management
global insurance
commercial insurance
personal insurance
insurance
claims care
financial services
customized solutions

Description

Berkshire Hathaway Specialty Insurance (BHSI) is a global insurance company that offers a broad range of insurance products and services across multiple lines, including specialty insurance for various industries.

What They Do

BHSI provides specialty insurance products and services to various markets globally.

Who They Serve

They serve a diverse range of industries, including healthcare, construction, and multinational companies.

Key Value Propositions

Global presence
Specialty insurance products
Customer-focused service

Target Customers

Businesses
Corporations
Trade associations
Individuals requiring specialty insurance

Industries Served

Healthcare
Construction
Multinational corporations
Hospitality
Real Estate

Summary

Healthcare professional and general liability programs for institutional providers, including academic medical centers and integrated systems. Offers primary, umbrella, and excess options with collaborative risk management support and the financial backing of Berkshire Hathaway’s National Indemnity group.

Key Features

  • Global claims handling with regional specialization
  • Multiple reporting channels: online, email, phone, mail
  • Dedicated claims contacts for specific insurance lines
  • Preferred counsel lists for certain products
  • Downloadable claims excellence resources

Who Is It For

  • BHSI policyholders
  • Commercial clients
  • Directors & Officers
  • Employers (Stop Loss)
  • Travel insurance customers
  • Berxi policyholders
  • Ocean Marine clients

Claims Reporting

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

BHSI Claims Contacts

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

Download

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

  • Claims Excellence
  • Claims Excellence Marine
  • Claims Excellence Travel

Resources

Supporting Resources

Detailed Comparison

Claims Defense Expertise

Seasoned, line‑specific claims professionals coordinate defense strategy, supported by preferred defense counsel panels (D&O, EPL). (bhspecialty.com) Collaborative decision‑makers and service standards ensure prompt communication and proactive involvement in third‑party litigation. (bhspecialty.com) Dedicated healthcare claims leadership; regional teams deliver local expertise. (bhspecialty.com)

Risk Mitigation Services

Pre-loss guidance with underwriting; rapid deployment of best-in-class resources to mitigate losses; preferred defense counsel panels (D&O, EPL) to control litigation; and cost-containment assistance for Employer Stop Loss claims. (bhspecialty.com)

Financial Stability Rating

AM Best Financial Strength Rating: A++ (Superior), stable outlook; S&P insurer financial strength: AA+. Ratings apply to Berkshire Hathaway Specialty Insurance Company as part of Berkshire Hathaway’s National Indemnity group. (bhspecialty.com)
3The Doctors Company logo
The Doctors Company
thedoctors.com

The Doctors CompanyCompany Information

The Doctors Company is the nation's largest physician-owned medical malpractice insurer, on a mission to advance, protect, and reward the practice of good medicine.

Industry: Insurance
Type: private
Employees: 1K-5K
Founded: 1976
Location: Napa, CA
Revenue: 200m 1b
Phone: +1 (800) 421-2368
API: No

Keywords

medical malpractice insurance
physician-owned
healthcare risk management
patient safety
malpractice claims defense
medical malpractice
liability insurance
healthcare insurance
physician coverage
insurance

Description

The Doctors Company is the largest physician-owned medical malpractice insurer in the United States, offering a comprehensive range of insurance solutions and risk management resources for healthcare professionals.

What They Do

Provide medical malpractice insurance and risk management solutions for healthcare professionals.

Who They Serve

Healthcare professionals including physicians, surgeons, dentists, and healthcare systems.

Key Value Propositions

Physician-owned
Long-standing industry presence (over 45 years)
Comprehensive risk management resources
Strong financial strength ($7.8B in assets)
Accredited education programs

Case Studies

How Inflation Is Impacting Medical Malpractice Claims Healthcare Professionals

A study examining the added insured losses and expenses due to inflation impacting medical malpractice claims.

Read Case Study →

What Customers Say

"The Doctors Company provides the best imaginable service for their members."

John Doe, Physician

Target Customers

Physicians
Surgeons
Dentists
Healthcare Systems
Advanced Practice Clinicians

Industries Served

Healthcare
Insurance

Trusted By

The Doctors Company

Summary

Physician-owned medical malpractice insurer offering coverage, defense, and risk management for patient injury claims. Serves solo practitioners to large physician groups and hospitals, with data-driven patient safety resources and A-rated financial strength.

Key Features

  • Physician-owned and operated
  • Coverage for more than 100, 000 physicians and surgeons nationwide
  • Flexible insurance solutions tailored to unique group risks
  • Personalized service plans with dedicated patient safety specialists
  • Industry-leading claims defense and litigation support
  • Data-driven risk management using the industry’s largest claims database
  • Comprehensive risk solutions for large groups and healthcare systems

Key Benefits

  • Never settle a claim without your consent (where permitted by law)
  • Free tail coverage for qualified members upon retirement, disability, or death
  • Automatic MediGuard coverage for legal representation in administrative actions
  • CyberGuard liability protection for privacy and data security exposures
  • Access to patient safety resources and risk management experts
  • Eligibility for The Tribute® Plan, rewarding loyalty and superior patient care
  • Premium credits and discounts for specialty-specific programs
  • Endorsements from major national and regional medical organizations

Who Is It For

  • Physicians
  • Surgeons
  • Medical groups (including multispecialty, multistate groups)
  • Healthcare professionals
  • Large groups, healthcare systems, and hospitals

Medical Malpractice Insurance for Physicians, Surgeons, and Groups

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

Industry-Leading Defense

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

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

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

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

Visionary Risk Management Experts

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

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

Specialty-Specific Programs

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

  • Premium credits and discounts for specialty-specific programs

Resources

Supporting Resources

Detailed Comparison

Claims Defense Expertise

Seasoned claims experts and top defense attorneys provide aggressive trial strategies and step-by-step support. (thedoctors.com) The Doctors Company will not settle a claim without your consent (where permitted by law). (thedoctors.com) For enterprises, it offers coordinated claims defense across hospitals and systems. (thedoctors.com)

Risk Mitigation Services

Patient Safety INSIGHT services: practice risk assessments with custom action plans; claims analysis; online safety-culture diagnostic; communication/teamwork training; on-site/online CME; support from patient safety risk managers. (thedoctors.com) Guided Risk Self-Assessment modules and Quick Check tools. (thedoctors.com) For systems: risk analytics/benchmarking, collaborative performance improvement, and 24/7 access to claims/patient safety experts. (thedoctors.com)

Financial Stability Rating

AM Best: A (Excellent) FSR, Outlook Positive (affirmed Oct 2, 2025). (thedoctors.com) Fitch: A (Strong) IFS, Outlook Stable (affirmed June 30, 2025). (prnewswire.com) Also listed on provider’s Financial Strength page. (thedoctors.com)
4ProAssurance logo
ProAssurance
proassurance.com

ProAssuranceCompany Information

Industry: Healthcare
API: No

Description

ProAssurance is a group of companies that provides malpractice insurance and related services to healthcare professionals and organizations in the United States. They serve various sectors including physicians, hospitals, and senior care facilities, emphasizing risk management and education in the medical professional liability industry.

What They Do

Providing malpractice insurance and related services to healthcare providers

Who They Serve

Physicians, hospitals, healthcare systems, and senior care facilities

Key Value Propositions

Comprehensive malpractice insurance
Risk management resources
Educational materials on medical professional liability

Target Customers

Medical professionals
Healthcare institutions

Industries Served

Healthcare
Insurance

Summary

National MPL carrier providing coverage for physicians, hospitals/health systems, senior care, and allied providers. Delivers flexible structures, strong claims handling, and an A (Excellent) AM Best rating through a family of specialty insurers.

Key Features

  • Coverage for a wide range of medical specialties and healthcare organizations
  • Customizable coverage structures (consent to settle, tail coverage, defense costs, self-insured retentions and deductibles, incident reporting)
  • Divisions and programs for anesthesia (PPM), non-surgical family medicine and pediatric practices (Optimal Practice Insurance), and obstetrician-gynecologists (OBRA)
  • Risk sharing programs including loss portfolio transfers, prior acts reporting coverage, loss sensitive programs, and alternative risk programs (e.g., turnkey captive solutions)
  • Coverage options for unique risks through subsidiaries for podiatrists (PICA), chiropractors (OUM), and dental professionals (DentistCare)
  • Reentry program for those seeking to return to the standard market

Key Benefits

  • Customized insurance solutions tailored to the size and needs of the healthcare organization or practice
  • Access to specialty-specific programs and divisions
  • Risk sharing and alternative risk transfer options for large groups
  • Innovative liability solutions for emerging healthcare risks
  • Patient safety programs and profit-sharing opportunities in select programs
  • Support for reentry into the standard medical professional liability market

Who Is It For

  • Physicians
  • Physician groups
  • Large regional or national physician healthcare organizations
  • Hospital/health systems
  • Medical professionals and healthcare businesses (including non-surgical family medicine and pediatric practices in select states)
  • Specialties such as anesthesia, obstetrician-gynecologists, podiatrists, chiropractors, dentists, oral surgeons, and other dental specialists
  • Emerging healthcare classes (telemedicine, virtual medicine, locum tenens, emergency medicine, multistate, multispecialty)

Overview

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.

Coverage Options

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.

Divisions and Programs

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.

Custom Physicians

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.

Risk Sharing Programs

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.

Placing Unique Risks Through Our Lines of Business

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.

Resources

Supporting Resources

Detailed Comparison

Claims Defense Expertise

ProAssurance assigns dedicated claims specialists who coordinate defense with select MPL litigators; they attend interviews, depositions, mediations, and trials, leveraging local legal expertise. (proassurance.com) After-hours triage available. (proassurance.com) From 2020, 2024, 77% of claims closed without indemnity, indicating strong defense outcomes. (proassurance.com)

Risk Mitigation Services

Risk Management services include: consultant helpline/email and onsite consultations/office assessments; CME-eligible webinars and Loss Prevention seminars; resource library (guidelines, sample forms/checklists, videos, podcasts); publications (Claims Rx, malpractice case studies); staff education and tabletop exercises; risk assessments and customized risk-reduction strategies. (proassurance.com)

Financial Stability Rating

Financial Stability Rating: AM Best Financial Strength Rating A (Excellent), Outlook Stable, for ProAssurance Group and subsidiaries; last affirmed July 9, 2025. (investor.proassurance.com)
coverys.com

CoverysCompany Information

Industry: Healthcare

Description

Coverys is a leading medical liability insurance company with a 50-year heritage in protecting healthcare professionals. Rated A (Excellent), it offers a wide range of insurance coverage solutions and innovative risk mitigation services.

What They Do

Provide medical liability insurance and risk mitigation services.

Who They Serve

Healthcare professionals and organizations, including physicians, hospitals, and outpatient facilities.

Key Value Propositions

Rated A (Excellent) by A.M. Best
50 years of experience in healthcare liability
Comprehensive risk management strategies

Target Customers

Physicians
Surgeons
Dentists
Podiatrists
Hospitals
Outpatient Facilities
Accountable Care Organizations
Nurse Practitioners
Certified Nurse Midwives
Physician Assistants

Industries Served

Healthcare

Contact Information

Social Media

Summary

Medical liability insurance and risk solutions spanning physicians, hospitals, and outpatient facilities. Combines MPL coverage with analytics-driven risk mitigation and patient safety programs, backed by an A (Excellent) AM Best rating.

Resources

Detailed Comparison

Claims Defense Expertise

In-house claims experts deliver vigorous defense from day one via prompt investigations, proactive litigation management, and a dedicated Litigation Management Unit. They partner with vetted malpractice defense counsel, offer expert-witness databases and trial prep, use ADR (including the REACT program), and cite a track record of defense verdicts at trial. (coverys.com)

Risk Mitigation Services

Data‑informed clinical risk analytics; real-time access to expert risk consultants (consultation line); focused culture‑of‑safety risk assessments (onsite/virtual) with benchmarking/gap analysis; targeted education via Med‑IQ/CME; robust risk resources; and REACT support after adverse events, delivered within RiskRx PRO to proactively reduce claims and improve patient safety. (coverys.com)

Financial Stability Rating

Financial Stability Rating: AM Best A (Excellent). Outlook: Negative, revised September 26, 2024, for Coverys Companies’ underwriting entities (e.g., Medical Professional Mutual, ProSelect, PPIC, Coverys Specialty, Coverys RRG). (coverys.com)

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Our Ranking Methodology

How we rank these offerings

We ranked these Patient Injury Insurance Firms in USA using a weighted scoring formula: Claims Defense Expertise (40%), Financial Stability Rating (35%), Risk Mitigation Services (25%). N/A values receive 0 points. Malpractice Insurance (medpro.com) scored highest with 95.5 due to exceptional trial win rates, A++ financial strength, and robust national risk services. Companies with N/A values had reduced maximum scores.

Ranking Criteria Weights:

40%
Strong claims defense is crucial for providers who face significant financial and reputational risks in malpractice cases.
35%
A high financial rating indicates the insurer's ability to pay claims, which is vital for buyer confidence in their coverage.
25%
Proactive risk management services help reduce the likelihood of claims and enhance overall patient safety.
Rankings last updated: 1/2/2026

Frequently Asked Questions

What are the typical costs and pricing models for patient injury insurance in the USA?
The cost of patient injury insurance, such as medical malpractice coverage, can vary significantly based on factors like coverage level, location, and the size of the medical practice. Malpractice Insurance Firm backed by MedPro offers broad coverage with comprehensive protection mechanisms, often at a higher premium due to their A++ AM Best rating and robust claims defense. Pricing models commonly include occurrence-based policies, which protect for incidents during the policy period regardless of when a claim is filed, or claims-made policies, which cover claims filed within the active policy period.
What key selection criteria should be considered when choosing a patient injury insurance provider?
When selecting a patient injury insurance provider, decision-makers should consider the insurer's financial strength, evidenced by AM Best ratings such as the A++ rating from MedPro or the A rating from other firms. Additionally, the quality of claims defense services and risk management support, for example offered by Physician-owned insurers and Risk Mitigation Services, are crucial. It is also important to assess the availability of flexible coverage structures and the provider's experience in handling claims efficiently.
What are the industry standards and compliance requirements for patient injury insurance firms?
Patient injury insurance firms in the USA must adhere to state-specific regulations governing medical liability insurance, which vary significantly. Compliance involves meeting financial adequacy and consumer protection standards, which is why firms like Claims Services and National MPL carriers emphasize AM Best ratings to demonstrate reliability. Additionally, integrating data-driven patient safety resources helps meet both compliance and industry standards by reducing claim occurrences.
What implementation challenges might healthcare providers face with patient injury insurance, and what are the solutions?
Healthcare providers may encounter challenges in managing costs and integrating effective risk management strategies. Providers like Risk Mitigation Services address these issues using analytics-driven risk mitigation tools that help identify potential risks and preventing incidents. Implementing comprehensive safety programs and ensuring collaborative risk management support from insurers, as provided by Claims Services, also contributes to minimizing implementation challenges.
How can patient injury insurance firms deliver ROI and value to healthcare providers?
Patient injury insurance firms deliver ROI by providing robust claims defense and proactive risk management strategies that reduce the frequency and severity of claims. For example, firms like the Physician-owned insurance companies offer data-driven patient safety resources designed to proactively minimize claims, leading to long-term financial savings for providers. The delivery of tailored coverage solutions, such as those offered by National MPL carriers, further enhances value by aligning policy structures with specific institutional needs.

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