We recommend clients submit a new application, as the updated policy may include changes that could impact their coverage. For example, this may impact medical directors employed by outside entities or practices that utilize locum tenens. To ensure their unique circumstances are covered, please have them complete the application found on curi.com or confirm their coverage details directly with you.
Learn more about the new policy, how it compares to the previous policy, and what this means for your clients in this informative video. Review the Physician Medical Professional Liability Specimen Policy.
Curi’s PHS portal provides authorized practice representatives and brokers to manage many aspects of a client's account online, including access to billing information, certificates of insurance, and client benefits. New to PHS? Schedule a demo today!
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 and your clients 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 and your clients!
Your underwriters, claims consultants, and risk team you’ve come to trust are still here and have been working hard on your client’s account. In addition to these experts, you now have go-to dedicated broker services representatives to ensure all your needs are met.
The roll-out of our new physician policy will occur in three phases:
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 their policies won't change, hospitals may see a change in their 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 services representative or underwriter if you have questions.
*If employed providers have their own policy number distinct from the hospital policy, their policy will be affected.
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 client's unique circumstances are covered, please complete (or have them complete) the online application or confirm coverage details with your Curi underwriter.
No. At Curi, we are committed to supporting healthcare professionals with industry-leading medical professional liability insurance and proactive solutions that protect our clients, their organization, and their people. As the cyber landscape has evolved, we recognize that a dedicated cyber provider best manages specialized coverage. To ensure clients 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.
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.
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. We may, however, remove that exclusion by endorsement in certain situations. For instance, if a provider offers independent medical examinations, we may consider removing this exclusion to cover medical negligence allegations resulting from that care and treatment. Providers should talk with their broker or underwriter about obtaining an Expert Witness Endorsement, if they feel it may be indicated. Alternatively, if a provider is hired by attorneys to merely review records and give paid opinions without directly caring for the patient, our policy would not be triggered. 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.
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.
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.
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:
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). A PDF specimen policy can be found on this site.
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.
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 clients to talk with their brokers about what is best for their 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.
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The policyholder |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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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. |
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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. |
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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. |
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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. |
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Slot providers |
No, a Slot Position Endorsement is required to add coverage for slot providers. |
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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. |
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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. |
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Independent contractors, staffing agencies, moonlighters |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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Interns and externs |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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Residents |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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Physicians and surgeons (MDs and DOs) |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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CRNAs |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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Midwives |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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Podiatrists |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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Chiropractors |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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Dentists |
No, they must be identified by name on the Schedule of Insureds, even if sharing limits. |
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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. |
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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. |
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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. |
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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. |
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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. |
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Volunteering after retirement |
Only if we add a Retired Volunteer Coverage Endorsement. |
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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. |
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.
Yes. Our policy provides reimbursement if your client needs 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.
For legacy MPIE clients who already had Verdict Shield on their policy, note that the Verdict Shield Endorsement has been replaced with the Verdict Protection Endorsement with no change in benefit.
This endorsement will only be offered to renewal policies that currently have this coverage on their MMIC Insurance, Inc. policy. This coverage will not be offered to new business or as a new coverage on any existing accounts.
In our effort to simplify and make our policy more readable, we have combined the conditions, definitions, and exclusions into the base policy document. Conditions, definitions, and exclusions related to other lines of coverage, such as GL, have been omitted from the MPL policy. If you have other lines of coverage with us, the common forms will still apply to those policies. We will simplify and modernize those forms in the coming years.
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:
Policy information can be accessed in their client portal, Policyholder Services (PHS). If they haven’t already created an account, they can visit curi.com, click the “sign in” prompt in the top right, and register as a new user. Once in, they’ll see a menu of all their membership resources. They can also click “practice services” from the menu for their account-specific features, including:
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.
Please reach out to your Curi team at 800-328-5532 or UW.Mail@curi.com for a quick response.
Once your client's policy renews with Medical Mutual Insurance Company of North Carolina (“Medical Mutual”), they will have access to our enhanced online billing and payment platform, making it even easier for them to set up autopayments, make one-time payments, and customize their notification preferences; just to name a few features.
Please note that if your client is currently using an automatic premium payment feature, they will need to establish a Curi Premium Payment System account by logging onto curi.com and completing their account setup. This will allow for uninterrupted payments. Here are few resources to get them ready:
If they wish to pay their premium via check, they need to locate the Account Number and Invoice Number on their current invoice. Include this information on the check (memo line) and make the check payable to: Curi Agency LLC. Mail your check to P.O. Box 96838 Charlotte, NC 28296-6838.
Your Curi support team is here to help answer any additional questions you may have. For a quick response, please complete the form below or call us at 800-328-5532.
