A brief look at our history
All commercial “for profit” insurance providers discontinue medical liability coverage in Utah. Subsequently, approximately 800 physicians across the state form an insurance exchange to provide liability coverage sensitive to the needs of its members. This is the beginning of UMIA (Utah Medical Insurance Association).
Minnesota Medical Insurance Exchange (MMIE), the precursor to Midwest Medical Insurance Company (MMIC), begins in response to the medical professional liability insurance (MPLI) crisis of the mid-1970s. At that time, MPLI was only available through commercial insurers. With rising premiums and shrinking availability, a concerned group of Minnesota physicians and the Minnesota Medical Association joins together to establish and fund a Minnesota-based, physician-owned MPLI company—MMIE.
MMIE becomes Midwest Medical Insurance Company (MMIC). MMIC receives its first A.M. Best rating, “B+.” The company is becoming a well-known and respected member of the MPLI community.
MMIC earns its first A.M. Best “A” rating.
Arkansas Mutual is founded, again out of the need to support physicians as other large carriers exit the state.
MMIC RRG, Inc. is created.
Utah Medical Insurance Association (UMIA) joins with MMIC.
Constellation®, the holding company, is formed.
Arkansas Mutual Insurance Company joins with MMIC and UMIA. Arkansas Mutual also receives “A” rating from A.M. Best.
UMIA receives “A” rating from A.M. Best.
Constellation Solutions™ is formed to provide solutions “beyond insurance” for our customers.
InsureCAREteams™ is formed to provide digital delivery of MPL insurance to dentists.
The Constellation Aligned Performance Initiative (CAPI) launches, welcoming the Baldrige organization as its first strategic collaborator.