Ins_New Policy Client Information

The healthcare industry continues to evolve, and Curi is evolving right along with it. Founded by physicians as several regional insurance companies in the 1970s and 1980s, Curi has been identifying new ways to meet physicians' and clinicians' ever-evolving needs since. As part of our evolution, on October 1, 2023, Constellation and its insurance brands, including MPIE, UMIA, and Arkansas Mutual, merged with Curi and are now operating under the Curi name.

As we move forward together under One Curi, our focus remains on making things simpler for you. That means helping you better understand your coverage, building stronger relationships so we can offer valued advice and impactful solutions, and ensuring you have access to the best resources for you and your organization. Let’s explore your new policy forms—and everything that goes beyond the policy.

What happened to the local brands UMIA, Arkansas Mutual, and MPIE?

The healthcare industry continues to evolve, and Curi is evolving right along with it. Founded by physicians as several regional insurance companies in the 1970s and 1980s, Curi has been identifying new ways to meet physicians' and clinicians' ever-evolving needs since. As part of our evolution, on October 1, 2023, Constellation and its insurance brands, including MPIE, UMIA, and Arkansas Mutual, merged with Curi and are now operating under the Curi name.

As we move forward together under One Curi, our commitment to you remains unwavering. Although we’ve become a national mutual (owned by our members and policyholders), we’re still focused on the local and personal. We’re focused on you!

The underwriters, claims consultants, and risk advisors you’ve come to trust are still here and have been working hard on your account. In addition to these experts, you now have dedicated client services representatives to ensure your needs are met.

When does the new policy take effect?

The roll-out of our new physician policy will occur in three phases:

Phase One: Beginning September 1, 2025, all physicians in Michigan and Ohio will receive the new policy, which includes all new business and renewals. Renewals will continue transitioning on a rolling basis over the next year until all clients are on our unified form.
Phase Two: Beginning January 1, 2026, new and renewing physicians in Idaho, Montana, Oregon, Utah, Wyoming, and Washington will begin moving to our unified form.
Phase Three: In 2026-27, we will transition the remainder of our physician book alongside a refreshed hospital policy. More information on the timing for each state will be coming soon.

Does the new policy apply to hospitals and facilities?

No. The new policy applies to providers and provider groups. It does not apply to hospitals-- even if the hospital has employed providers. Hospitals (and any employed providers on a hospital policy*) will remain on their existing policies for now. We're currently working on the "One Curi" hospital policy, which we hope to roll out sometime in 2027.

Even though hospital policies won't change, hospitals may see a change in the underwriting company. This is part of our goal to consolidate our brands within the Curi family. Impacted clients will be notified. Talk with your broker or Curi underwriter if you have questions.

*If employed providers have their own policy number distinct from the hospital policy, their policy will be affected.

Are there benefits or services that accompany this new policy?

Along with your new Curi policy, you have access to a suite of benefits, including:

Broad Regulatory Coverage: Additional regulatory and compliance protections included in your coverage.
Risk Solutions: Access to seasoned risk advisors and industry-leading resources, including self-guided risk assessments, toolkits, and CME-eligible webinars that allow physicians to earn AMA PRA Category 1 Credits™. Find resources at curi.com/news- knowledge/risk-resources.
HR On-Call: Unlimited access to human resources guidance from experienced HR professionals with Catapult. Call 800-535-5058 or email hr.oncall@curi.com to get the on-call advice you need.
Open Payments Reporting: Enhanced access and reporting on federal Open Payments data. Visit curi.com/resource/open-payments-database or call Venops at 855-567-3552 or email memberservices@venops.com.
Exclusion List Monitoring: Monthly tracking of providers, employees, and vendors against federal and state exclusion lists. Visit curi.com/resource/exclusion-list-monitoring or call Venops at 855-567-3552 or email memberservices@venops.com.
Litigation Education: Demystify the litigation process with education and resources. Access resources at curi.com/litigation-education.
Online access to policy information and resources via the MyAccount portal. Be sure to access the user guide for MyAccount here.

What is MyAccount and how can I use it?

You may already have access to MyAccount. If you are new, beginning on or after your policy renewal date, you will have access to the MyAccount platform. MyAccount allows you and authorized practice representatives to manage many aspects of your accounts online, including applications, certificates of insurance, and Legacy Fund balances.

Through your portal, you can:

Access/download a COI;
View your policy documents;
Add or remove a provider via an online application or form;
View financial transactions and invoices;
Change profile information (address, phone number, email, etc.); and
Access additional policy-related information

See user guide.

Note: If this is your first policy with Curi, you will not have access to MyAccount until your policy renewal date.

Is action needed to maintain automatic premium payments?

Yes. Automatic premium payment information must be reset in MyAccount, utilizing your new MMIC policy number. See the Payments section of the MyAccount user guide for detailed instructions.

Do I need to fill out a new application?

We recommend submitting a new application, as the updated policy may include changes that could impact your coverage. For example, this may impact medical directors employed by outside entities or practices that utilize locum tenens. To ensure your unique circumstances are covered, please consider completing the online application or confirming your coverage details with your broker, Curi Client Services representative, or underwriter.

Does the new policy include cyber or HIPAA?

No. At Curi, we are committed to supporting healthcare professionals like you with industry-leading medical professional liability insurance and proactive solutions that protect you, your organization, and your people. As the cyber landscape has evolved, we recognize that a dedicated cyber provider best manages specialized coverage. To ensure you receive the expertise and support required to navigate today’s complex risks, Curi discontinued offering embedded cyber insurance coverage in new or renewed policies issued on or after July 1, 2025.

In addition, HIPAA violations are increasingly inseparable from cyber breaches. Our policy excludes claims arising out of data, PHI, or PII breach. Those claims are better suited to cyber coverage.

What is changing about coverage and pricing for Nurse Practitioners and Physician Assistants?

Nurse Practitioners (NPs) and Physicians Assistants (PAs) are critical parts of the care team, and their use and scope of practice is increasing nation-wide. At Curi, we want to balance the coverage needed for these professionals with making it easy to do business with us. Under the new Curi policy, we include coverage for NPs and PAs while they are providing care within the scope of their employment for an insured practice or physician. We generally do not require applications and scheduling for NPs and PAs unless needed for other reasons, such as separate limits or state requirements. Instead, NPs and PAs are subject to a head-count charge based on the number of NPs and PAs staffed on the policy. Other advance practice providers with higher risk need to be scheduled, such as CRNAs and midwives. Clients should talk with their broker or underwriter to be sure the care team is appropriately covered.

Does the new Curi policy cover physicians working as expert witnesses?

Our policy is designed to cover hands-on patient care and treatment recommendations, and our new form excludes work as an expert witness or litigation consultant. Exposure to allegations of negligence in providing testimony or breach of contract with attorneys should be reviewed with a broker who may be able to offer appropriate coverage.

Does the new Curi policy cover physicians working as a medical director?

Our policy is designed to cover patient care at the entity or practice identified in the policy. Therefore, we exclude actions taken as an administrator, director, medical director, or officer of an entity that is not covered on the same policy. Providers needing coverage for a medical directorship at an outside entity should first talk with the entity about coverage there. If there is not coverage elsewhere, we can remove the exclusion with a Medical Directorship Services Endorsement. Providers should talk with their broker or underwriter about the entity, their operations, and the provider's duties. A separate Medical Director Questionnaire may be required.

What is the intent of the added exclusion for nuclear reaction and radiation?

This exclusion is intended to make clear that our policies will not indemnify for damages associated with the improper handling and storing of pollutants or radioactive waste. Coverage determinations always depend on the facts, but the intent is not to exclude professional services such as nuclear medicine or oncology radiation.

Are there new exclusions I should be aware of?

Our goal was to simplify the language and make it clear what is and is not covered. To do so, we removed unnecessary, duplicative, inapplicable, and confusing exclusions. Which exclusions may be new to you depends on which of our legacy underwriting companies wrote your previous policy. A few notable coverage exclusions include:

Punitive damages
Data or PHI breach
Medical directors at outside entities (can issue an endorsement)
Sexual misconduct:
- Excluded for an individual perpetrator
- Will defend an entity that didn’t know or couldn’t have prevented, but will not pay indemnity

How does the new policy address sexual misconduct?

A coverage determination for sexual harassment, abuse, or misconduct depends on the allegations in the complaint. Please refer to the new policy's language, including exclusions related to intentional acts, violations of law, and sexual misconduct (G, H, R, and S), as well as the definitions of a medical incident and professional services (J and N). See the PDF specimen policy.

Why is peer review no longer covered as Professional Services?

We defend healthcare providers against malpractice allegations brought by patients related to medical care. Peer review and/or committee service is not medical care to a patient, and any related allegations would not constitute malpractice. Peer review and/or committee service was added to some malpractice policies years ago as a gesture to promote honest review of medical care. While that remains a worthwhile goal, service on a committee does not fit within malpractice coverage, most importantly because there is no provider-patient relationship involved in reviewing the care of another provider.

In addition, if a fellow provider is upset with a committee decision, the allegation typically arises under contractual or anti-competitive legal theories, not malpractice. Providers seeking coverage for decisions or actions on committees should talk with the entity organizing the committee about errors and omissions (“E&O”) or directors and officers (“D&O”) insurance, which are designed to address administrative and inter-provider disputes. Our policy remains focused on protecting providers in their role as caregivers.

Historically, we have not seen claims brought against providers specifically for decisions made in a peer review or committee setting. When peer review does surface, it’s typically in the context of a malpractice case involving a harmed patient, where the peer review records may be requested as part of discovery related to the facility, not as the basis of a direct claim against a provider. In those cases, because peer review is typically privileged by statute, we fight to protect the confidentiality and inadmissibility of peer review evidence. This further reduces the likelihood of these activities leading to an insurable claim.

How do limits apply to mother and baby in obstetrical claims?

Our policy defines the prenatal care, labor, delivery, and birth of children as one “medical incident” with one corresponding limit, no matter how many claimants allege injury.

We structure limits to balance what’s needed to take care of an injured patient while not putting a target on our providers’ backs. Higher limits make providers more vulnerable to unreasonable settlement demands and unfounded claims. There is an industry-wide trend where settlement demands match policy limits instead of reflecting the actual value of a harm event. In cases where a mistake has happened, it is impossible to do the right thing and settle for a fair amount. In addition, some providers are brought into claims merely because they carry higher limits and may increase the dollar amount of settlement before the evidence can show the provider met the standard of care. As a leader in the medical professional liability space, we want to lead positive change, which starts with changing our limit structures.

We understand that some specialties, like obstetrics, need higher limits because of the nature of the care they provide. We always encourage you to talk with your broker or Curi team about what is best for your practices. We examined our claim history and found that the second limit for obstetrical injuries was rarely, if ever, triggered. A single limit was enough, and there was no corresponding value to the second limit.

Our policy is designed to treat other types of claims similarly. All claims brought in connection with the same medical incident are given one limit, regardless of the number of claimants seeking damages. A single, reasonable limit protects the provider from inflated demands.

Are my providers, APPs, employees, locums, slots, independent contractors, or entities automatically covered by the policy?

The policyholder	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
PAs	Yes, if they are employed and sharing limits with their employer, usually the healthcare entity. If separate limits are needed, they must be identified by name on the Schedule of Insureds. PAs are subject to a charge based on head-count.
NPs	Yes, if they are employed and sharing limits with their employer, usually the healthcare entity. If separate limits are needed, they must be identified by name on the Schedule of Insureds. NPs are subject to a charge based on head-count.
Social Workers and Psychotherapists	Yes, if they are employed and sharing limits with their employer, usually the healthcare entity. If separate limits are needed, they must be identified by name on the Schedule of Insureds.
Locum tenens providers	Yes, if they meet the requirements in the definition of Locum Tenens in the policy, including 1-1 replacement coverage for less than 60 days under a written agreement, and have equivalent training, licensure, and qualifications. A Locum Tenens will, by default, share the limits of the provider they are replacing. In states where it is necessary, the policy may be endorsed to provide different or separate limits using the Locums Tenens Coverage Endorsement.
Slot providers	No, a Slot Position Endorsement is required to add coverage for slot providers.
Non-provider employees	Yes, if they are working in the course and scope of their employment with you, and they share limits with the entity or individual who employs them.
Volunteers	Yes, if they are working in the course and scope of their volunteer duties with you, and they share limits with the entity or individual overseeing their duties.
Independent contractors, staffing agencies, moonlighters	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
Interns and externs	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
Residents	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
Physicians and surgeons (MDs and DOs)	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
CRNAs	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
Midwives	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
Podiatrists	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
Chiropractors	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
Dentists	No, they must be identified by name on the Schedule of Insureds, even if sharing limits.
Medical Directors	Only if they are acting as the medical director for the entity on your policy. Medical directors serving at a non-insured entity are not covered unless they are named on a Medical Directorship Services Endorsement.
A DBA, subsidiary, or related entity	No, they must be identified by name on the Schedule of Insureds, even if sharing limits. DBAs are not legal entities and cannot be given limits, but they should still be named on the Schedule of Insured’s DBAs.
An unrelated entity asking to be on our policy	No, they must be identified by name on an Additional Insured Endorsement. Additional Insureds must be under a contractual agreement with our Insured, and they share in limits.

What unique care situations are covered or not covered in the new policy?

Serving as an officer or Medical Director	Yes, if serving as Medical Director of an Insured Entity. No, if serving for an entity not covered by our policy. Coverage at a non-insured entity can be added through a Medical Directorship Services Endorsement.
Providing expert opinions as a litigation witness or consultant	No, but coverage for expert witness services can be added through an Expert Witness Coverage Endorsement.
Volunteering after retirement	Only if we add a Retired Volunteer Coverage Endorsement.
Providing Good Samaritan care in an emergency	Yes. Providing care at a sudden and unforeseen emergency with no expectation of remuneration is covered under the definition of Professional Services.

For legacy Medical Mutual of North Carolina clients, what happened to Coverage A, B, C, etc.?

Our new policy is meant to be more readable with simplified language. Coverages A and B are now described as coverage for Individual Insureds and Insured Entities. This makes the coverage clearer, and it gives more flexibility in how limits apply, whether shared or separate. Other coverages have also been renamed or managed elsewhere in the policy. Coverage C was reimbursements related to Good Samaritan care. Care provided in an unforeseen emergency, referred to as Good Samaritan care, is now included in the definition of professional services. Coverage D, the Broad Regulatory Endorsement, is now called the Regulatory Protection Endorsement. Coverage X, excess limits, is simply called excess.

Do you provide reimbursement for me to attend trials or hearings?

Yes. Our policy provides reimbursement if you need to attend a trial, deposition, or other formal hearings. In our effort to take the best of all worlds, we combined and strengthened this benefit. We will reimburse any insured up to $1,000 per day for reasonable expenses, including lost income.

Does the new policy cover licensure proceedings, Board of Medicine, billing, and regulatory issues?

Yes. We are excited to launch our Regulatory Protection Endorsement with the new policy. This endorsement gathers several different benefits offered by our legacy policies into one, easy-to-read place. It is attached to all physician and group policies for no additional charge.

The Regulatory Protection Endorsement provides reimbursement for certain costs and fees related to the following:

Regulatory enforcement of: Medical waste disposal*, OSHA (workplace safety)*, ADA*, EMTALA, and self-referral and “Stark” laws;
Discipline by a facility, licensing body, specialty board, or other review body*;
Billing proceedings;
Self-reporting to a board*; and
Unannounced site visits by a government entity*

*New or expanded benefits for legacy UMIA clients

Where can I find information about my coverages, insureds, and premium?

Policy information can be accessed in your client portal, MyAccount. If you haven’t already created an account, visit curi.com, click the “sign in” prompt in the top right, and register as a new user. Once in, you’ll see a menu of all your membership resources. MyAccount features include:

View policy information
Generate COI
Download invoice & billing information
Obtain copies of policy documents
Access member benefit statement
Access renewal questionnaire
Update contact Information

What if my practice needs additional risk management support?

In addition to the select risk mitigation services, tools, and resources you have access to as part of your policy, our Curi Advisory team also offers in-depth Risk Consulting services, powered by ERC Risk. These offerings include:

Specialty-Based Risk Assessments (comprehensive in nature, focused on efficiency and patient safety)
Program-Based Risk Assessments (including detailed evaluation and improvement plans for your patient satisfaction and compliance programs)
Customizable Education Programs (on topics ranging from AI to top drivers of risk to violence prevention)
And more!

Learn more here and connect with us at contact@ercrisk.org.

What if my practice has other operational needs?

With decades of direct experience in healthcare leadership and operations, Curi Advisory’s Healthcare Consulting team partners with healthcare leaders to navigate today’s complex environment, delivering actionable solutions that drive value. These services include:

Financial Solutions
HR & Staffing Solutions
Operational Performance Improvement
Strategic Growth & Transformation
Mergers & Acquisitions

Learn more here and connect with us at advisory@curi.com.

What happens if an insured retires?

If a policy is Claims-Made and Reported, an insured may be entitled to an extended reporting period ("ERP") at retirement for no additional charge. An ERP, also known as a tail, extends the period for reporting a claim that happened during the policy period but gets reported after cancellation or non-renewal.

The age and loyalty requirements may be different under the new policy depending on the client's legacy policy. Under the new policy, if individuals retire and permanently leave the practice of medicine, they can request a free ERP within 30 days of coverage ending so long as: (1) they are 50 years or older and have been insured with us for the last one year; or (2) they are any age and have been insured with us the last seven years.

Retirement means leaving the practice of medicine completely. If you resume practicing, even part-time or on a volunteer basis, the ERP is subject to cancellation. Reach out to your broker or underwriter to discuss your situation. We have options to reinstate your policy part-time or endorse your ERP with a Retired Volunteer Endorsement. In addition, individuals may be entitled to a free loyalty ERP, even without retiring, if they are 59 years or older and have been insured with us for a minimum of 10 years.

Who should I contact for more information?

Please reach out to your broker representative or your Curi team at 800-328-5532 or UW.Mail@curi.com for a quick response.

Welcome to your new Curi policy

New Policy Resources

Overview

Access

FAQs

Benefits

Frequently Asked Questions

We will continue to update this section to address all questions. Check back often.