We think it’s important that we are all partners in the ownership and management of the company. Having “skin in the game” assures that everyone is pulling in the same direction and shares in the company’s profit. Next, we have a very different underwriting philosophy in that only those physicians with the best loss experience and who have a referral from another member can join. Traditional companies rely solely on applications to decide who to insure, but we believe that a physician’s colleagues are the ones who really know which doctors are the best. So we rely on our own selection process.

This process has meant that we have had very few claims, but when claims do occur, we surround our physician members with support. From the very first day a claim is reported, we assign a highly experienced in-house malpractice attorney to give unlimited guidance throughout the often stressful and confusing litigation system. Our members never feel alone and unsupported. We’ve found that support not only benefits our doctors, but it also improves our defense success rate which is extremely high.