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Unwavering protection from the unexpected

Mutual insurance built on 40+ years of empathy and expertise.

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Protecting, defending, and supporting our Members with exceptional products and services.

Medical Professional Liability

Comprehensive malpractice coverage for physicians, practices, and clinics. (The Self-guided Risk Assessment Toolkit is available for members to independently assess areas of potential risk within their practice. It is intended to assess risks in the outpatient setting and includes an anonymous online questionnaire, a template for medical record audits, and downloadable tips for best practice.)

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Hospital Professional Liability

Coverage for 250 beds or less, including proactive risk management.

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Community Health Center Professional Liability

Unique liability coverage for CHCs using FTCA wrap coverage.

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Management Liability

A flexible, modular, three-part policy to protect the operations and management of a business. 

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Breach Response Coverage

Data breaches and ransomware protection for your business.

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Stop Loss

Financial resources to protect your business and cover your employees, so they get the care they need, when they need it.

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Your satisfaction is our greatest achievement

See what our members and partners have to say about working with Physicians Insurance.

  • Physicians Insurance made every effort to be sure I was prepared and well represented. The entire team made an experience that every physician dreads into something my wife and I both felt good about in the end, surprising as that may seem.

    Bradley A. Bringgold, MD | Member since 2008

  • It’s so nice to have one person throughout your entire claim, who knows your story –your personal story – and its impact on you throughout the process. It’s amazing to be treated like this.

    Angela Chien, MD | Member since 1999

  • The most important thing for us is the support and guidance Physicians Insurance provides. Their knowledge and responsiveness is very important as well so we can continue on providing great care.

    Leslie Heibert, CEO Hospital | Member since 2017

Experience the Difference

With Physicians Insurance at your side, you can provide care with confidence. Everything we do is designed to serve Members like you.

Unwavering Protection

 We fiercely protect, defend, and support your organization, your business, your reputation, and your life’s work. We are a mutual company that partners with leading defense counsel, brokers, and other experts to ensure Member interests are protected.

Empathetic Expertise

When your life’s work is on the line, you need more than expertise. You need people who understand what’s at stake and who listen to you. Our business is about helping Members overcome their obstacles as quickly as possible to achieve a good outcome.

Agile Guidance

Your healthcare organization must keep pace with the industry, so we keep pace too. We constantly look for novel solutions to new challenges, and act with the urgency Members need and deserve while professionally guiding them through the underwriting, risk management, and claims processes. 

Strong Financials

Your peace of mind is paramount. Whether insuring a hospital, medical practice, or community healthcare center, we have the financial resources to ensure our Members are protected by the best coverage and services possible.

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Physicians Insurance by the numbers

40+

years

of protecting the healthcare industry

8500+

members

including providers, clinics, hospitals and more

96

%
win rate

over the last decade

95

%
retention rate

of our  loyal member community

Rated A-

(Excellent) by AM Best

 for our financial stability and outlook

$

290 MM

policyholder surplus

to support you through the unexpected

Stay Up to Date

annual report

AM Best Rating Affirmed

We’re proud that, once again, we have earned an A- (Excellent) rating from AM Best. Financial stability is pivotal to the support we provide all our Members.

Read our Annual Report
Liability

New Management Liability Product

Learn more about our new custom designed stand-alone coverage to protect the operations and management of a business.

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Trial Results

Trial Results

We exist to protect and defend our Members, which is why we have a 10-year average of over 96% defense verdicts.

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Explore Our Resources Library

Member Resources

HR Hero

An online portal with handbooks, checklists, and staff training to mitigate employment-related risks. 

Cyber Risk Management

Prepare for, investigate, and respond to cyber threats with sample policies, risk-assessment resources, team training, incident-response tools, and more.

Self-guided Risk Assessment

Designed with your busy schedule in mind, this toolkit allows you to independently assess areas of potential risk.