New Business Targets & Submissions

Curi’s MPL Appetite

Clients: physicians from individual physicians to large specialty groups

Targeted Specialties:

• Orthopedics
• Family /General Practice
• Pediatrics
• Dermatology
• Anesthesiology
• ENT
• Gynecology
• Hematology/Oncology
• Ophthalmology
• Plastic Surgery
• Cardiology

Restricted Classes:

• Dentists, Podiatrists, and Oral Surgeons, unless they are part of a physician clinic
• Clinics owned and/or led by Advanced Practice Providers
• Independent Medi Spa
• Standalone Medical Director Coverage

Geographical Capabilities: 

Some states may have counties in which we are currently not writing new business. Reach out to your Curi Broker Partnership representative with questions or for additional details. 

Submissions

If you’re submitting a request for a policy underwritten by Medical Mutual Insurance Company of North Carolina, MSIC, MMIC MN, or UMIA, please email your request to: submission@curi.com. Please copy your Curi Broker Partnership Director and Underwriter on the email to help expedite the underwriting process. Access submission details and best practices.

Appetite Guide Download

Clients: Hospitals and Health Systems

Classifications:

• Acute Care/Hospitals and Health Systems
• Extended Care, Skilled Care, Personal Care (when written in conjunction with an acute care hospital)
• Excess Coverage when Curi writes the underlying MPL & GL, or if Curi handles first-dollar claims within an SIR
• Fronted Policies when Curi handles first-dollar claims

Targets:

• Critical Access
• Not-for-Profit
• Corporations
• Hospitals For-Profit
• Government Owned
• Large Healthcare Systems

Restricted Classifications:

• Family Practitioners offering VBAC
• Hospitals with no employed physicians
• We will not write a hospital with employed physicians unless we also write those physicians.
• SAM is excluded from excess coverage

Geographical Capabilities: 

Submissions

If you’re submitting a request for a policy underwritten by Medical Mutual Insurance Company of North Carolina, MSIC, MMIC MN, or UMIA, please email your request to: submission@curi.com. Please copy your Curi Broker Partnership Director and Underwriter on the email to help expedite the underwriting process. Access submission details and best practices.

Appetite Guide Download

Clients: Senior Living

Classifications:

• Sub-Acute Care/Rehabilitation
• Skilled Care/Long Term Care
• Intermediate Care/Memory Care
• Assisted Living
• Independent Living

Bed Classifications within the Healthcare System:

• Rehabilitation Care Beds
• Extended Care
• Skilled Care
• Personal Care
• Independent Living Beds

Restricted Classifications:

• Rehabilitation facilities providing detoxification services
• Overnight care involving adolescents (age 21 and under)
• Group homes
• Developmentally disabled, mental health, and/or traumatic brain injury (TBI) facilities

Minimum Qualifications:

• The applicant must be licensed for a minimum of 25 beds (or 25 residential units). Accounts with fewer beds will not meet our minimum premium threshold.
• The primary 1M/3M minimum premium is $10,000.
• The excess minimum premium is $5,000 per layer. This applies in addition to the primary minimum premium.

Geographical Capabilities: 

Submissions

If you’re submitting a request for a policy underwritten by Medical Mutual Insurance Company of North Carolina, MSIC, MMIC MN, or UMIA, please email your request to: submission@curi.com. Please copy your Curi Broker Partnership Director and Underwriter on the email to help expedite the underwriting process. Access submission details and best practices.

Appetite Guide Download