Services

Medical Malpractice & General Liability Coverage

We provide coverage to a wide range of healthcare providers — each tailored to the specific risks of that setting — throughout Michigan, California, Indiana & Ohio.

Who We Cover

Coverage by Practice Type

Physicians

Protecting your practice with precision. Our physicians' coverage is built around your specialty, patient volume, and practice setting — giving you the confidence to focus on patient care instead of liability exposure.

Surgical Centers

Safeguarding your surgical center with coverage designed around the elevated risk profile of outpatient procedures — protecting both your facility and your reputation.

Health Care Facilities

From clinics to larger facilities, we build coverage that scales with your staff, services, and locations — protecting assets, reputation, and patient well-being as you grow.

Dentists

Malpractice coverage designed for general and specialty dental practice, addressing the specific liability considerations of dental procedures and patient care.

Hospitals

Comprehensive liability coverage sized for hospital-scale operations — multiple departments, staff, and patient volume under one policy.

Urgent Cares

Coverage built for the walk-in, high-turnover nature of urgent care — protecting your practice across every shift and provider on staff.

Other Healthcare Providers (PA, NP)

Professional liability coverage for physician assistants, nurse practitioners, and other advanced practice providers — whether independent or part of a larger practice.

Medical Labs

Liability coverage addressing the specific risks of diagnostic and clinical laboratory work, from specimen handling to result reporting.

What to Know

Understanding Your Coverage

A few of the factors that shape the right policy for your practice.

Claims-Made vs. Occurrence

An occurrence policy covers incidents that happened while it was active, no matter when the claim is filed. A claims-made policy only covers claims filed while the policy is in force — which is why tail coverage matters if you switch carriers or retire.

Tail Coverage

Also known as extended reporting coverage, tail coverage protects against claims made after a policy ends for incidents that occurred while it was active. Understanding its availability and cost is an important part of choosing a policy.

Claims History & Premiums

A provider's claims history can significantly affect premiums. Maintaining accurate records and strong risk management practices helps mitigate the likelihood of future claims — and keeps costs in check.

Risk Management Support

Through our carrier partners, our clients have access to risk management resources — training on patient safety, communication, and documentation — that can reduce claims and lower premiums over time.

Also Offering

Beyond Professional Liability

We also write commercial business insurance and workers' compensation insurance for healthcare practices and other businesses — ask us when you're ready to review your full risk picture.

Illustration of a commercial office building representing business insurance

Not Sure Which Coverage Fits Your Practice?

We'll walk through your specialty, setting, and risk profile to recommend the right policy — no guesswork.

Talk to Us