Proactive consulting solutions that help you protect, optimize, and grow your organization with confidence. Learn More
Experienced consultants and comprehensive risk mitigation resources provided with your Curi policy. Learn More
Customized financial, HR, strategic, and operational solutions delivered by a team with real-world healthcare experience. Learn More
Tailored strategies designed to improve patient safety and reduce MPL risk for your organization. Learn More
Specialized financial advice and sophisticated investment solutions designed to preserve and grow your assets. Learn More
Comprehensive financial planning and investment solutions that allow you to focus on living. Learn More
Personal solutions for multi-generational families in support of reaching their goals for preserving, growing, and transferring wealth. Learn More
Foundational financial planning that meets you where you are and helps you build a better path forward. Learn More
Investing with conviction, focused on long-term, active investment strategies. Learn More
Customized consulting focused on all aspects of a retirement plan. Learn More
Proactive solutions that protect you, your organization, and your people. Learn More
Comprehensive and traditional MPL and General Liability coverage, created by physicians for your unique needs. Learn More
Comprehensive MPL coverage for physicians and groups with unique challenges that fall outside admitted insurer policy underwriting criteria. Learn More
Creative and customizable non-traditional insurance approaches along the risk continuum. Learn More
HEAL is our exclusive early intervention program leading to a better way forward after an unexpected outcome. Learn More
Demystify litigation with our curated educational resources and CME video series. Learn More
Smart takes on curated topics that matter most in medicine, business, and life. Learn More
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Curi Insurance
Need help finding the answer you are looking for? Below are our most frequently asked questions to help you.
A statement will be sent every month when there is a balance due on the account.
We provide payment plans as a benefit to our members and do not charge any additional fees or finance charges.
While we provide payment plans as a benefit to our members, the price of your coverage is the same whether you pay in full or in installments.
Please make checks payable to MMIC Agency, LLC. Please include the top portion of your statement or your policy number with your payment.
Locate the Account Number and Invoice Number on our current invoice. Include this information on your check (memo line) and make the check payable to the issuing company.
Payments should be mailed to your issuing company:
Arkansas Mutual Insurance Company
PO Box 860602
Minneapolis, MN 55486
MMIC Insurance Inc
PO Box 86
SDS 12-0740
Minneapolis, MN 55486-0740
MMIC Risk Retention Group
PO Box 860706
Minneapolis, MN 55486-0706
Centurion MMIC Risk Retention Group
7650 Edinborough Way Ste 525
Minneapolis, MN 55435
UMIA Insurance Inc
PO Box 860530
Minneapolis, MN 55486-0530
You may pay your premium online with your bank account, debit, or credit card. You only need your policy and invoice numbers. Payments can be completed in your client portal, MyAccount.
Please allow 5-7 business days from the time of mailing for a payment to be credited to your account. In addition, please include the top portion of your statement or your policy number with your payment to ensure prompt crediting of your account. You may disregard the Past Due Notice if a payment of the minimum balance due has been made. If you would like to confirm we’ve received your payment, call the Curi OneConnect team at 800-328-5532.
Your premium may have changed due to any number of circumstances, including additions, deletions, specialty changes, or changes to your limits. All changes will be detailed on your statement, but please feel free to contact the Underwriting Department at 800-328-5532 if you have any questions regarding changes to your policy.
Please contact your broker representative or Curi representative at 800-328-5532.
Please see your policy declaration page for details of all coverages and their related premiums. If you need an additional copy of your declaration page or have any other questions regarding the specifics of your policy or coverages, please contact the Underwriting Department at 800.328.5532.
Yes, you can view your invoices within MyAccount, your policy portal. Accounts managed by outside agents will not be able to view their statements online.
Because your actions in response to the subpoena require your involvement in a lawsuit, under which you will give sworn testimony, it is possible that this may result in personal legal exposure for you. Accordingly, we strongly suggest that you contact your claims representative immediately whenever you receive such notice.
Contact your Curi claims representative prior to responding to the attorney’s request. Even if you believe that the attorney’s intentions are good, and/or that the chances that you might be brought into any type of legal action are slim, you should discuss this with your Curi claims representative immediately.
We recommend that you contact your Curi claims representative before you discuss the situation with anyone, including hospital risk management personnel.
Access loss history and credentialing reports in MyAccount, under the Policy & Reports tab. For group or facility policyholders, the organization’s administrator will have access to loss runs.
If you aren’t registered for MyAccount, you may request coverage verifications & claims history by emailing us at credentialing@curi.com. Please include the policy number, years of coverage and a signed release form from the provider.
For MPIE accounts, you may request coverage verifications & claims history by calling 616-202-1150, faxing 616-741-1970 or emailing verifications@curi.com. Requests will be processed within 4 business days.
The Legacy Fund is a Member Savings Account established to provide a financial reward for qualifying Curi physician members in recognition of their dedication to providing excellent healthcare to their patients and the financial results it produces for the Company. It is also a means to reward physicians, in a tangible manner, for their loyalty, trust, and ownership in Curi.
Current, active, insured physician members (individual physicians named in the policy Declarations) are eligible to participate in The Legacy Fund program.
Physician types eligible:
Yes.
The following individuals are not eligible:
Coverages not eligible:
Yes, you would be able to participate upon your return if you otherwise qualify. You will forfeit any accumulated allocations in The Legacy Fund if you leave for reasons other than qualifying retirement, qualifying disability, or death. However, if you attain coverage from Curi at a later date you 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.
Legacy Fund accounts are established for each individual member physician, regardless of who pays the associated premium, or whether the physician is an employee of a policyholder of Curi.
If the practice, as the policyholder, chooses to establish the Legacy Fund account as a corporate account, the allocations are made per individual member physician, but the balance of each allocation, upon a triggering event for the respective individual physician, will be distributed to the corporate account owner.
We will establish a separate Legacy Fund account for you for each policy under which you are insured by us. As long as you maintain at least one policy with Curi, the balances accrued under other policies, if those policies are canceled or terminated, will be transferred to your remaining open account.
If you join another practice or start a solo practice and continue your coverage with Curi, your Legacy Fund and its balance will remain intact. If you do not continue your coverage with Curi, your balance will be forfeited. If the practice you leave is the corporate account holder of your Legacy Fund balance, your balance will be forfeited.
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.
If the Curi Board of Directors determines that an allocation will be made to the Legacy Fund, your individual allocation will be based on your earned premium from the prior year as a percentage of the total paid premiums for all Legacy Fund participants for the same period. Physicians new to Curi and the Legacy Fund program will receive the maximum allocation share possible after two years.
Legacy Fund allocations will be apportioned to qualified accounts in two equal semi-annual installments (June 30th and December 31st). Statements will be available in July and January each year.
A member with a poor claims experience could be subject to nonrenewal based on Curi’s underwriting guidelines. Nonrenewal will result in the forfeiture of your Legacy Fund account balance.
Legacy Fund balances will accumulate over time on a tax-deferred basis. No individual physician or practice own or have any interest in funds designated for The Legacy Fund. Interest in The Legacy Fund starts and ends at the time a distribution is made. Once a distribution is made to the account holder, Curi will send a Form 1099-Misc to the account holder for the year in which the balance was distributed. Curi recommends that individual physicians, or the practice, contact their accountant or tax consultant for advice regarding the taxation of Legacy Fund distributions.
Only Curi can make contributions to The Legacy Fund program and to Legacy Fund accounts.
Legacy Fund balances will be paid when a physician terminates membership with Curi due to qualifying retirement, qualifying disability, or in the event of a physician’s death, all in accordance with the provisions of the Member Savings Account Plan Document.
No. 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.
Your individual Legacy Fund account, and any funds allocated to it, would be forfeited.
The balance of your Legacy Fund account, if any, will be paid to your estate. In the case of a corporate account holder, the balance will be paid to the practice.
In the case of an individual account holder or a corporate account holder, the Legacy Fund account balance will be distributed 90 days after the qualifying event, in accordance with the provisions of the Member Savings Account Plan Document.
No. If your practice chooses to establish a corporate account, a qualifying event such as retirement, disability, or death, will result in the Legacy Fund balance being distributed directly to the corporate account owner.
No. In order to qualify for you or your practice to receive your Legacy Fund account balance, you must be permanently retired from the practice of medicine in accordance with the provisions of the Member Savings Account Plan Document.
No. Deferring the distribution of your Legacy Fund account balance to a later or specific date is not possible. You or the corporate account holder will receive your Legacy Fund account balance as outlined in our distribution policies.
For more information about The Legacy Fund, send us an email or call 800-328-5532.
All of our professional liability applications are available online. If you are applying for new coverage with Curi, please contact the Business Development Department to complete an application online.
Loss runs are documents from your current and past professional liability carrier(s) verifying claims, suits, or reported incidents.
A completed application and all pertinent documentation must be sent to your underwriter or agent for review.
For underwriting assistance, please contact the Curi OneConnect team at 800.328.5532.
We offer Claims-Made, Claims-Made Plus, and Occurrence policies. Contact your agent or underwriter for details about your policy.
A claims-made insured goes through a 5-year maturation process. A first-year claims-made policy is at a lower rate because the chance of claims occurring and being reported during the first year is low. However, the longer you have been insured, the greater the chances of a claim occurring and being reported. Because of this, your premium will increase for 5 years until it has reached a mature rate.
No. Nurse practitioners, physician assistants, nurse anesthetists, nurse midwives, psychotherapists, licensed clinical social workers, podiatrists, chiropractors, and dentists are not provided any automatic coverage under our policy. They must be named on the Declarations page with separate or shared limits with the Named Insured. A separate premium charge is applicable for separate limits and also shared limits when there is not a 1:1 ratio of physicians to Advanced Practice Providers listed under the policy. Certified nurse midwives are not eligible for shared limits coverage. In order to be named on the policy, Advanced Practice Providers must complete an Advanced Practice Provider application, which can be found on our website or completed online.
Yes, if they meet our underwriting guidelines and as long as they are being contracted by you for work on your behalf. We will exclude all work outside your practice.
Vicarious Liability coverage is needed when an employee, agent, or someone else is acting on your behalf and is not listed on your policy as an insured. An application must be completed by this individual for underwriting approval. Once approved, a vicarious liability endorsement may be added to your policy, with a premium charge required.
Your premium will not decrease under that scenario. Your classification and rating are based on your specialty, location of practice, and the types of procedures performed.
It is possible to get coverage in some instances. You will need to seek approval from your practice, because they are the named insured, and you will need to notify your underwriter for final approval.
A letter from the practice stating the provider’s last workday, along with his/her forwarding address, must be sent to the appropriate underwriter.
If the individual has separate limits, both you and the deleted individual will receive a certified letter confirming the cancellation date and also advising about the Extended Reporting Period (ERP)/Tail Coverage option.
A locum tenens physician or Advanced Practice Provider (APP) is a physician or APP who agrees to take over another physician’s or APP’s practice while that physician or APP is away from their office. Curi will provide free coverage for qualified underwritten physicians or APPs who agree to substitute from time to time for an insured physician or Advanced Practice Provider due to illness, vacation, or for the purpose of receiving additional training. A physician can only substitute for a physician and an Advanced Practice Provider for another Advanced Practice Provider. We allow 60 days of locum tenens per policy period. The locum tenens must be reported to the Company no later than 30 days after completion of the substitution period, using Notification to add Locum Tenens Physician or Advance Practice Provider Form.
Our policy includes coverage for those administrative services provided by an insured as a Medical Director of an insured healthcare entity as long as the primary purpose of the entity is to provide healthcare services to patients; the administrative duties are within the scope of the Insured’s specialty and expertise, and the entity is not already providing coverage for any such administrative services. Medical Director coverage for our Insured for non-insured entities must meet the same criteria above in addition to all services being rendered under a valid written agreement with that entity. The written agreement must also be approved by the Company before coverages for such services commence.
Upon permanent disability, death, or retirement from the practice of medicine, if you are 50 years of age or older and have been with the Company continuously for at least one year, or have been with the Company for at least seven years immediately preceding retirement.
You will need to contact your underwriter with a proposed cancellation date to receive an ERP quote.
The cost of the ERP is usually 2½ to 3 times the annual premium of the individual at the time of cancellation.
Only those Advanced Practice Providers with individual limits of liability need to purchase an Extended Reporting Period.
Although this may vary depending on the employment contract, the insured individual is normally the one responsible for payment of the ERP after the cancellation of the policy. We recommend that the responsibility of the ERP payment be negotiated when an employee is first hired and included in the employment contract between the employee and employer.
The Extended Reporting Period can be paid in one lump sum or on our installment plan, which requires a 50% down payment within 30 days of cancellation, 30% due on or by the 1st year anniversary date of cancellation, and the remaining 20% due on or by the 2nd year anniversary of the cancellation date.
The corporation can be sued for the acts or omissions of an employee even if the employee does not purchase tail, provided that the employee was working on behalf of the corporation at the time of the incident. If the corporation has applicable coverage under an active policy, or under an applicable Extended Reporting Period, there will be coverage for the corporation if it’s sued for acts or omissions of that employee. The individual will have no coverage if the ERP has not been purchased.
No. An individual ERP is not necessary for physicians covered under an FTE slot. They will continue to have coverage in the future for any incidents that may have occurred during the time they were insured under the policy, as long as the slot remains active, or, if canceled, an Extended Reporting Period (ERP or tail coverage) was purchased for the slot.
Broad Regulatory Protection ERP coverage will be provided for one year after the cancellation of the policy.
Retirement is defined by the North Carolina Medical Board as the complete and permanent withdrawal from the practice of medicine. Our Retired Volunteer policy does not cover any practice for remuneration.
You will be subject to the underwriting guidelines at the time of your planned re-entry to medicine. If approved for coverage, your ERP will be canceled and we will issue your new coverage with the old retroactive date you had prior to retirement. We will also exclude coverage for the time period you were retired. Later, when you decide to completely and permanently withdraw from the practice of medicine, we will re-issue your free ERP.
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Updating Your Email:
To update the email for your account, send your name, current email, and email you would like to use to phs.support@curi.com .
Updating Your Password:
To update your password, please logout and then click the “Forgot Password” link on the login screen.
Still Need Help?
Please contact us at phs.support@curi.com.