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MMIC Risk Retention Group | Curi Insurance

Medical Professional Liability coverage for your unique risk clients

INTRODUCING NON-STANDARD COVERAGE

Providing coverage for physicians and groups with unique circumstances

With our expanded reach, specialized local insights, extensive underwriting experience, and exceptional personal service, MMIC Risk Retention Group, a Curi company, is ready to help physicians and groups with unique challenges that often fall outside admitted insurer policy underwriting criteria.

 

We are dedicated to offering a complete range of proactive insurance solutions designed to support these healthcare providers in the ever-changing healthcare sector. Let’s explore if we are the right MPL provider for their particular circumstances.

 

We insure physicians and medical groups and their related entities. See below to see what is inside and outside our risk interest.

Non-Standard Coverage

Where we can assist

  • Non-standard policy coverage needs
  • Hard-to-place physicians, groups, or practices
  • Distressed risks
  • Those seeking a new carrier as their current carrier is in distress
  • Physicians in a re-entry program
  • Physicians requesting carve-out protection
  • Standalone Tail (SAT) coverage policies

Non-Standard Coverage

Not a Fit

  • Policies with AHPs and/or AAPs as the first named insured
  • Providers whose practice is primarily at Long Term Care Facilities, Skilled Nursing Facilities, Nursing Homes, Rehabilitation Centers, Independent Living Facilities and/or Assisted Living Facilities
  • Medical Directorship only policies

Non-Standard Coverage

Coverages/Enhancements

  • Limits up to $1,000,000/$3,000,000 or the predominate limit in the state
  • Claims Made and Reported policy form
  • Incident Trigger for qualified accounts
  • Consent to Settle
  • Defense Costs in Addition to the Limit of Liability available on select accounts
  • Prior acts on eligible accounts
  • DDR coverage and Extended Reporting Period (ERP) options available
  • Entity and Employee coverage on a shared limit basis; separate limits for qualified accounts available
  • Endorsements including coverage for Medical Board Defense and Regulatory Proceedings for qualified accounts
  • Tailored coverage

The Curi difference

With nearly five decades of service to clinicians and their organizations, you can feel confident that our team and our solutions are time-tested and trusted. Our deep understanding of a physician’s life, and possible resulting unique circumstances, helps us deliver the non-standard insurance products and services you need and the care you deserve.

With Curi, our clients have access to risk resources, risk consultants, and claims team deeply committed to defending good medicine.

Proactive, Human-Inspired Risk Solutions

In today’s fast-moving healthcare landscape, a responsive approach to managing your organization is not enough. When you want to get ahead, Curi Advisory is behind you. As thoughtful partners with deep healthcare expertise, we actively listen and curate solutions designed to help you protect, optimize, and grow. Our proactive approach to consulting allows us to pinpoint your business’s specific needs and identify opportunities to help you and your organization thrive.

Risk Solutions and Resources

Experienced on-call consultants and comprehensive risk mitigation resources are provided with your Curi policy.

Practice Consulting

Customized financial, HR, and operational solutions delivered by a team with real-world practice management experience.

Incremental Solutions Available to Curi Policyholders
  • Full-service talent acquisition recruiting and onboarding
  • Customized staff/leadership training and development
  • Executive-level recruiting
  • Management incentive plans
  • Part-time HR services and representation*
  • Background checks and assessments for current employees and candidates*
  • Compensation reviews for all employee levels

*Additional services powered by our external partner Catapult

Risk Consulting

Risk strategies and solutions designed by industry experts to help your organization deliver safer, more efficient healthcare.

With decades of direct experience in healthcare leadership and operations, our team of consultants helps groups identify and pursue opportunities to optimize and grow their businesses.

We offer customized business solutions that support and fortify independent practice leaders for today and into the future.

Curi Claims

At Curi, our philosophy is “We Defend Good Medicine,” meaning we are dedicated to supporting our clients through one of the most challenging times in their careers.

Should you be faced with an incident, claim, or lawsuit, a dedicated claims consultant with experience in your region will be with you every step of the way. Curi provides extensive services and processes to support you and strengthen our defense.

Early intervention has always been at the core of our claims process. HEAL, our early intervention program, promotes early reporting and is dedicated to acting promptly after an unexpected event occurs, then helps the organization apply the learnings to mitigate future events.

Unanticipated outcomes, malpractice claims, and lawsuits can have an emotional toll on the clinician. Our Clinician Peer Consult Program connects clinicians facing an unexpected outcome, claim, or lawsuit with a peer consultant.

Let's get started!

Broker Partners: We’re ready to help you and your clients so they can continue to care for their patients. We welcome your submissions. Use our direct submission inbox.

Physicians: Need a broker who specializes in Non-Standard physician coverage? Please visit: Amwins Insurance Brokerage, LLC, Healthcare Professional Services, Inc., RT Specialty, Western Summit, LLC

BROKER SUBMISSION

MPL policies for denoted client risk types are underwritten only in specific states. These include AZ, CA, FL, GA, MI, TN, TX, and now available in CT, CO, IL, KY, MN, MO, NC, NJ, NV, OH, OK, and WA. For additional information, please contact your Curi Non-Standard Physician Underwriting Team.

Curi’s Non-standard Medical Professional Insurance policies are underwritten by MMIC Risk Retention Group, Inc. (“MMIC RRG”).