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Unwavering protection from the unexpected

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

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

Medical Professional Liability

Comprehensive malpractice coverage for physicians, practices, and clinics.

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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.

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. 


Physicians Insurance by the numbers



of protecting the healthcare industry



including providers, clinics, hospitals and more


win rate

over the last decade


retention rate

of our  loyal member community

Rated A-

(Excellent) by AM Best

 for our financial stability and outlook


270 M

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.


New Management Liability Product

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

2024 Market Update

Medical Liability Insurance Industry Update 2024

The expansion of claims severity has continued to impact our industry. But what is driving the rising claim costs?