More than a policy, your insurance coverage comes with brainpower

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We know the risks inherent in delivering care—that hurdles arise, competition grows and regulations increase. That’s why our medical professional liability (MPL) insurance is designed to be comprehensive, with options that tailor coverage to your needs. And, our expertise in patient safety solutions and defending claims is backed with the financial strength and stability needed to protect your organization long-term, freeing your care teams to do what they do best.

Every policy comes with the support of a responsive team of experts that help you:

  • Minimize your clinical risks
  • Stay current in the ever-changing health care industry
  • Address issues arising from unanticipated outcomes or errors
  • Defend claims—and your reputation
  • Protect against security breaches and cyber crimes with Cyber Solutions® and Medefense® Plus

Medefense® Plus
In the event of governmental audits and investigations, you're covered

With Medefense® Plus, you're covered in the event of Medicare and Medicaid billing audits and investigations, or unintentional violations related to government regulatory proceedings, including HIPAA, EMTALA, or Stark. Includes coverage for defense costs, shadow audit expenses (for billing error proceedings only), and regulatory fines and penalties.



NAS risk assessment
Assess your cyber resiliency and receive recommendations to improve your security posture

Take our cyber security fitness check to get a preliminary assessment and risk ratings of your organization's cyber resiliency in several areas, including regulatory governance, security policies, network security, and vendor management. NAS cyberNET® is a free service available to our policyholders.



Cyber Solutions®
Protect your business with a comprehensive suite of cyber solutions

Cyber Solutions® is a comprehensive suite of data security and privacy insurance solutions that covers you and your reputation in the event of cyber threats — including everything from privacy and security breaches to cyber crime, extortion, PCI DSS assessments, multimedia liability, and much more. Included at no extra charge with most MPL insurance packages.



Coverage MAP - All Constellation

Coverage is defined as states where we operate.
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Coverage MAP - MMIC

Coverage is defined as states where we operate.
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Coverage MAP - UMIA

Coverage is defined as states where we operate.
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Coverage MAP - Arkansas Mutual

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Coverage MAP - InsureCAREteams

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All Constellation
MMIC
UMIA
Arkansas Mutual
InsureCAREteams

Optimize your coverage

We offer some of the broadest coverage options in the industry, starting with medical professional liability (MPL) insurance, but also offering general liability (GL), employee benefits liability (EBL) and excess coverage. Alternative risk financing offerings are also available, including self-insured retentions, fronted programs, and more.

Our broad-scale service and capabilities encompass a wide range of clients, from solo physician practices to large health systems. As our clients grow and create their own performance initiatives, we align our metrics to theirs, rewarding them for quality measures of their choosing.

Who we cover

We insure clinicians and health care facilities of all kinds, including:

Claim support

Most physicians will face a lawsuit at least once during their career.* We understand the heavy personal and professional toll an adverse event or claim can have on any health care provider, and we’re here to help you get through it.

We defend good medicine. Our claim service model includes a responsive team of highly-trained experts to support you and your care teams through an adverse event, claim or legal defense. Our smart, compassionate consultants and our clinician peer support team work together to help make sure you not only survive, but continue to thrive in your practice throughout the claim process. So you can keep giving your patients the very best of care.

Seabury SA, Chandra A, Lakdawalla DN, Jena, AB. On average, physicians spend nearly 11 percent of their 40-year careers with an open, unresolved malpractice claim. Health Affairs, 2013;32(1).