Coverage Options
We deliver innovative coverage solutions.

As an organization founded, owned, and led by physicians, we are closely aligned with the medical profession. We identify emerging risks and deliver innovative coverage solutions. When it comes to protecting your name, your livelihood, and your reputation, we are your most powerful ally.

Medical Liability Coverage for Physicians and Surgeons

We are the nation’s largest insurer of physician and surgeon medical liability. We 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.

Our medical liability program, which protects 71,000 physicians and surgeons nationwide, offers our members unique features—including MediGuard®, CyberGuard®, and the Tribute® Plan, our breakthrough financial benefit—that strengthen the practice of medicine while making it more rewarding.

MediGuard—We automatically provide MediGuard coverage as part of our medical liability policy. This important coverage provides you with 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.

CyberGuard—Privacy and data security exposure is the fastest growing threat to your medical practice. As a member, you receive cyber liability protection as part of your core coverage. CyberGuard protects you against claims arising from the theft, loss, or accidental transmission of electronic patient information, as well as regulatory fines and penalties, and the cost of data recovery.

Coverage for Large Groups

We are the nation’s leader in offering medical liability coverage—and peace of mind—to even the largest multispecialty, multistate groups of doctors. Our finely calibrated risk profiles and flexible insurance solutions can help your group ensure that its unique risks are covered responsibly. Our dedicated patient safety specialists will partner with your group to create a personalized service plan.

Flexible Options for Non-Standard Risks

We believe all health care professionals should have the option of securing malpractice coverage from a financially stable, U.S.-domiciled insurance carrier. Our subsidiary, Professional Underwriters Liability Insurance Company (PULIC), offers high-quality coverage to those who have difficulty obtaining coverage in the standard markets.

Hospital Liability Insurance

Since 1978, we’ve protected hospitals with the industry’s most aggressive claims defense and progressive risk management and patient safety programs. Our patient safety experts work with member hospitals to identify potential sources of patient injury and implement quality processes customized to their needs.

Medical Practice Solutions for Today’s Business Risks

We are committed to delivering comprehensive coverage solutions for our members and offer a full range of products for the medical practice beyond medical liability including Director and Officers, Managed Care Errors and Omissions, and Health Care Employment Practices Liability Insurance. You’re the expert when it comes to protecting your patients. Count on us to be the experts at protecting your practice.