Important Update.
Cyber Coverage is no longer included in Curi policies.
Curi is committed to supporting healthcare professionals with industry-leading medical professional liability insurance. As the cyber landscape has evolved, we recognize that specialized coverage is best managed by a dedicated cyber provider. To ensure your clients receive the expertise and support required to navigate today’s complex risks, Curi will discontinue offering our embedded cyber insurance coverage in new or renewed policies issued on or after July 1, 2025.
Cyber Insurance Provider Options
While there are many cyber insurance providers and we encourage you to explore them all, we have curated information from two of the premier providers for consideration by you and your client.
Coalition®
- If you are a Curi broker partner, please contact Coalition to determine if you are qualify for appointment. You may qualify if you have cyber expertise and have a cyber book currently.
- Coalition has several wholesalers available if your agency does not qualify for direct appointment.
- Quotes can be requested up to 60 days in advance and coverage can be bound up to 30 days in advance.
Tokio Marine HCC
Get Cyber (e-MD®) and Regulatory Billing E&O (MEDEFENSE® Plus) Coverage
- Quick quoting with a short application.
- For all policies effective July 1, 2025 and later, Curi broker partners have access to TMHCC's CPLG™ Broker Portal.
- For all policies effective prior to July 1, 2025, Curi broker partners, please send your submissions directly to ProgramReferrals@tmhcc.com.
Frequently Asked Questions
Why is Curi discontinuing cyber coverage?
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.
When is Curi discontinuing cyber coverage?
Curi will discontinue offering our embedded cyber insurance coverage effective 7/01/2025.
Will Curi be removing cyber coverage mid-term?
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.
What cyber coverage options can I offer to my clients?
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.
Will there be any premium adjustments on the MPL policy in recognition of the decreases in cyber coverage?
Will Curi policies still include broad regulatory coverage?
Where can I find more information about Tokio Marine HCC and Coalition, Inc., their respective products, and appointments?
For contact details and further information, please see the Cyber Insurance Providers section of go.curi.com/cyber.
Will removing the Curi's embedded cyber coverage affect the higher limit cyber policy previously placed though the Curi/TMHCC higher limits program?
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.
What if the THMCC higher limits policy has a different renewal date than my client’s Curi medical professional liability policy?
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.
What is the process for obtaining renewal terms on existing higher limits policies placed with TMHCC?
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.
Who is eligible for The Legacy Fund?
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 premiums allocated to each individual physician are eligible.
Who is not eligible to participate in The Legacy Fund program?
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, 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)
Will Curi continue to make future contributions to The Legacy Fund?
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.
Does The Legacy Fund benefit me as an individual physician, regardless of who pays my malpractice insurance premium, or if I am an employee of a hospital, medical practice, etc.?
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. A completed Corporate Account Designation Form must be signed and dated by two authorized practice representatives and emailed or mailed to Curi. Please see the form for complete instructions.
How is my individual Legacy Fund balance determined?
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. The resulting percentage is then applied to the overall Legacy Fund allocation approved by the Board of Directors to determine your individual allocation.
How will I know my individual Legacy Fund balance?
Curi will provide you with quarterly account statements (beginning in Q3 ’24). For practices that choose to establish a corporate account, the quarterly account statements will be sent to the practice.
Will I be taxed on my individual Legacy Fund 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.
How do I learn even more about The Legacy Fund?
Please use our contact form below or contact our team at TLF@curi.com.
Curi Holdings, Inc. and Constellation, Inc. have officially completed our merger transaction, effective Oct. 1, 2023, and formed one organization under the brand name Curi.