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:

• 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.

Curi will be reaching out to impacted clients on a rolling monthly basis at least 60-90 days before the client's policy renewal date. For example, those with policy renewal dates of January 1, 2026, will receive an informative email and link to the client page with additional details and resources beginning the week of September 1, 2025. 

In addition, the Curi underwriting team will be mailing the informational letter, notice of non-renewal, and notice of renewal with affiliate at least 30 -90 days before the policy renewal date. The exact date is determined by the state requirements for notification, such as 90 days in Wyoming (fewer in other states).  These notifications will be sent with the 2026 renewal policy in most cases. If the renewal policy needs more time to process, the underwriter will send the required notices separately. Mailing to Wyoming clients renewing in January 2026 will begin in late September. Other states will follow on a rolling basis.

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.

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

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 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. 

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.

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:

• 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

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.  

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.

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

Policy information can be accessed in their client portal, MyAccount. 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 resources. Features include: 

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

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.