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At Curi, we are committed to supporting healthcare professionals with industry-leading medical professional liability insurance. As the cyber landscape has evolved, we recognize that a dedicated cyber provider best manages specialized coverage.

Curi will discontinue offering our embedded cyber insurance coverage effective 7/01/2025.  

No, Curi will not be removing our embedded cyber coverage mid-term. Cyber coverage will be non-renewed upon renewal dates after 6/30/25. 

We are pleased to introduce our broker partners and clients to two industry-leading cyber coverage providers: Tokio Marine HCC and Coalition, Inc. You can pursue appointments or wholesale agreements with either or both of these cyber providers. Alternatively, you may choose to place coverage with another cyber vendor. Curi has no requirements or preferences relating to the cyber provider(s) you choose.

If your client chooses not to purchase a new cyber policy, or if the policy does not include full prior acts coverage, you should work with your Curi underwriter to request a quote for an Extended Reporting Period.

Although the embedded cyber coverage provided by Curi represented a small amount resulting in a low cost on a per-policy basis, this modest amount will go toward lowering the impact of any future MPL rate increases on policies. However, any changes in filed rates or increases based on risk profile will proceed.

Yes, Curi policies will continue to include broad regulatory coverage. Your Declaration Page will indicate the specific coverage that is included with your renewal. 

For contact details and further information, please see the Cyber Insurance Providers section of go.curi.com/cyber. 

No, the removal of Curi’s embedded cyber coverage will not impact the increased limits policy until it is up for renewal. At that time, you will have the option to renew the policy with TMHCC, or explore alternatives with Coalition or another carrier of your choice. Both TMHCC and Coalition will provide you with options to adjust the deductible for your higher limits policy, as well as revised pricing, since the embedded coverage will no longer serve as the deductible.  

If the Curi Medical Professional Liability (MPL) policy, which currently includes the embedded cyber coverage, expires prior to the renewal date of the higher limits policy, TMHCC has agreed to waive the deductible requirement until you have the opportunity to renew the higher limits policy upon its expiration, or find alternative coverage for your client. 

A renewal solicitation letter will be sent to broker with an indication of pricing and a copy of the renewal application 60-75 prior to the expiration date of the policy.  You will then be able to take action on the renewal within the Broker Portal, including uploading the signed renewal application and/or additional pre/post binding subjectivities, and requesting to bind coverage

Yes, Curi accepts Broker of Record (“BOR”) Letter requests on existing business and on new business submissions. New business submission is defined as having submitted a correct and complete application, an updated roster, incumbent carrier information, loss history information, and a valid FEIN number.

Whichever broker submits all the required quote level information first will be recognized as the BOR and the competing broker will have 14 business days to submit a rescission letter.

BORs wil not be accepted from an appointed Curi wholesaler on accounts appointed to Curi retail brokers holding the current BOR.

All BORs must be dated, signed, and addressed to the Company and submitted on the letterhead of the signed by an individual authorized by the policyholder. This Authorized Representative is an individual to whom the policyholder has given authority to determine medical malpractice insurance coverage and to sign policy applications. The request should also include the statements from Exhibit A-Standard Language.

Curi will only accept BORs signed by signed by an individual authorized by the policyholder. This Authorized Representative is an individual to whom the policyholder has given authority to determine medical malpractice insurance coverage and to sign policy applications.

For BORs received within 30 days of the effective date, the servicing broker, or the new BOR, will be noted, however, any commissions will be remitted to the incumbent broker through the expiration date of the policy term; this includes tail endorsements for the remainder of that policy term.  The new BOR will begin receiving commissions on the next policy renewal date.

For a BOR received within 14 days of the policy effective date. The new broker will be considered the BOR on the account when the 14-day recission and notice period ends. In this instance, the new broker will be the servicing producer and the incumbent broker will receive the commission until the next renewal policy term.

Curi will accept BOR letters no later than 14 business days prior to the effective date of a renewal policy. All clients have 14 days from the Notification Date to rescind a BOR request.

No, Curi only allows one BOR and one customer recission of a BOR request per account in each policy term.

No.

Curi companies will not provide a BOR quote on another subsidiary’s active business. Any new business submission with an incumbent Curi subsidiary company will be immediately declined. The only exception is for physician policies underwritten by MMIC Risk Retention Group, Inc.

Please submit any BOR change via mail to the address below or email requests to BOR.requests@curi.com.

New business requests can be sent to our dedicated mailbox: submission@curi.com

To underwrite a new business application, we require the following information:

Physician’s application: Loss history, declaration page, and proof of tail coverage (for claims made policies)

Facilities application: Loss history, declaration page, financials, organizational chart, a listing of locations, and state inspections or accrediting agency reports.

We write across the spectrum of healthcare, including physicians, hospitals, and senior living facilities. Our coverage area extends to certain states, which are indicated on our website. Please contact your business development consultant to discuss any specific questions about our appetite for coverage.

The Legacy Fund is a financial rewards program designed to recognize our members’ commitment to quality medicine and their loyalty to Curi. By working together, our goal is to share our company successes with our members through a tangible, cash distribution opportunity available.

Current, active, insured physician members (individual physicians named in the policy Declarations) are eligible to participate in The Legacy Fund program.

Physician types eligible:

• Physicians (MDs, DOs)
• Part-time
• Multipolicy
• Community-based hospital physicians: Part of a hospital program but not practicing within the walls of the hospital.
• Per-patient rated: Policies with premium allocated to each physician are eligible

The following individuals/physician types are NOT eligible:

• Retired Volunteer Healthcare Providers (RVHPs)
• Slotted Physician Risks
• Locum Tenens
• Ancillary Insureds Physicians covered only under an Extended Reporting Period (“Tail”)
• Vicarious Liability Policyholders
• Full-time equivalent rated (FTEs)
• Physicians who are members of Hospitals or RRGs
• Non-Physician Members – policyholder of MMICNC, MMIC(MN), UMIA, former Michigan Professional Insurance Exchange (now MMIC) and AMIC in policyholder types “Hospital”, “Facility”, “Ancillary Provider”, and “Ancillary Clinic”

Coverages NOT eligible:

• Excess Coverage (standalone policies that provide blanket and/or excess coverage at the practice level)

Yes, they would be able to participate upon their return if they otherwise qualify. They will forfeit any accumulated allocations in The Legacy Fund if they leave for reasons other than qualifying retirement, qualifying disability, or death. However, if they attain coverage from Curi at a later date they may, once again, become eligible to participate in The Legacy Fund program. Any Legacy Fund prior balances and credit for years of prior coverage will not be carried over for purposes of determining Legacy Fund participation.

Each year the Board of Directors will evaluate the financial health and capital requirements of Curi to determine what, if any, allocations will be made to The Legacy Fund. Future funding is solely at the discretion of the Curi Board of Directors.

Curi intends to pay account holders any funds allocated to The Legacy Fund upon a qualifying event; however, there is no guarantee that future allocations will be made and, if made, that they will be distributed.

Curi is a fiscally conservative company with over 40 years of proven financial stability and strength. Our financial ratios are among the strongest in the country as evidenced by our “A” (Excellent) rating by AM Best. We are committed to The Legacy Fund program but maintain the right to control The Legacy Fund as needed to meet business obligations.

Legacy Fund allocations will be apportioned to qualified accounts in two equal semi-annual installments (June 30th and December 31st). Legacy Fund statements are processed and sent semi-annually as of June 30th , which are mailed by August, and December 31st , which are mailed by February.

No. Deferring the distribution of Legacy Fund account balances to a later or specific date is NOT possible. The individual or the corporate account holder will receive the Legacy Fund account balance as outlined in our distribution policies.

Curi enacts a 90-day waiting period before dispersing funds due to retirement.  However, we waive the waiting period for events of death and disability.