Curi Insurance

Serving more physicians than ever.

Anchored by our flagship medical professional liability offering, Curi Insurance gives you and your practice flexible underwriting, comprehensive coverage, and personal attention to protect you and help you focus on practicing medicine.

More physicians than ever.

We dramatically increased the number of physicians we cover in 2021.

Gross Written Premium
Premium growth.

Our gross written premium jumped in 2021, on the strength of our business with both large, customized programs and traditional large, midsize, and small practices.

Financial Data

Expense Ratio
Keeping expenses in check.

By prioritizing responsible management of your company, we kept our expense ratio—the amount of operating expenses incurred relative to premiums received—below industry average again in 2021.

Loss Ratio
Controlling losses in a hard market.

The continued industry-wide trend of increased claims severity touched Curi too this year, with our loss ratio (the percentage of premium used to pay claims) close to the average of our peer companies.

Combined Ratio
Profitability for our members.

Again in 2021, our combined ratio (loss ratio plus expense ratio) beat the industry average—enabling us to continue being profitable and reinvest in our business to support our members.


Another year of “A” rating.

Curi’s strong balance sheet and consistent operating performance helped us earn our eighteenth consecutive “A” (Excellent) financial strength rating from A.M. Best Rating service in 2021.

Recognized as one of the best.

For the second year in a row, Curi was named to the “Ward’s 50” list in 2021, as the one of the top 50 performing insurers in the property-casualty industry. And again this year, we were the only company on the list specializing in physician professional liability. The award, given by Aon’s Ward Group, goes to 50 carriers that demonstrate superior performance over each year of a five-year analysis period.


A Personal Touch.

Curi’s claims process stands out in the field. We give you direct 24/7 access to a dedicated claims examiner, send up to two attorneys to first suit meetings and trial, and make sure that your examiner attends every day of trial. Our commitment to defending good medicine runs deep.

Indemnity Payments vs. Defense Costs

Investing in Your Defense.

When we say we’re committed to defending good medicine, we mean it. That’s why we spent $13 million more to defend cases in 2021 than on making indemnity payments to plaintiff patients.


Eight out of every ten contested-liability cases that closed in 2021 resulted in a verdict in our policyholder’s favor.

Claims and suits closed without payment

As in the past, almost all of our cases closed without payment in 2021.