Our company began from a need to support our caregivers with medical professional liability (MPL) insurance products that protect them from the risks inherent in their practice. At the time, MPL companies faced unprecedented challenges, and many were dropping coverage or simply exiting the business, leaving caregivers without insurance. Insurers faced a softening market, increasing expenses, consolidation of physician-owned companies, and a level of change unheard of in the history of healthcare. These pressures reduced their profitability and threatened their core business.

Our solutions help our clients reduce risk and support their care teams—because we believe that what’s good for care teams is good for business.

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 MMIC (Midwest Medical Insurance Company), begins in response to the medical professional liability (MPL) insurance crisis of the mid-1970s. At that time, MPL 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 MPL company—MMIE.


MMIE becomes Midwest Medical Insurance Company (MMIC), and a holding company, Midwest Medical Insurance Holding Company, is created. MMIC receives its first AM Best rating, “B+.” The company is becoming a well-known and respected member of the MPL community.


MMIC earns its first AM Best “A” rating.


Arkansas Mutual is founded, again out of the need to support physicians as other large carriers exit the state.


The holding company is renamed MMIC Group, Inc., and the insurance company is renamed MMIC Insurance, Inc. Planning begins to change the corporate structure to a mutual insurance holding company.


Approval from members and the board is granted to reorganize the existing company into a mutual insurance holding company, MMIC Group, Inc.
MMIC RRG, Inc. is created.


Utah Medical Insurance Association (UMIA) joins with MMIC to become a member of the Constellation mutual holding company and is renamed UMIA Insurance, Inc.


MMIC RRG, Inc. changes its name to MMIC Risk Retention Group, Inc.


The mutual insurance holding company, MMIC Group, Inc., is rebranded to Constellation.
Arkansas Mutual Insurance Company joins MMIC and UMIA as a member of the Constellation mutual holding company. Arkansas Mutual also receives “A” rating from AM Best.


UMIA receives “A” rating from AM Best.


Constellation’s team sets out to move beyond the “deny and defend” model that has driven risk management practices for decades. HEAL is launched—an industry-leading program focused on acting promptly after a patient harm event occurs, to shorten the life cycle of the event and to reduce the sequence of negative impacts it may cause.

MMIC Risk Retention Group, Inc. receives “A” rating from AM Best.


MMIC Risk Retention Group, Inc., receives approval to expand membership to include senior living business.

MMIC Insurance, Inc., and its parent, Constellation, Inc., entered into a Risk Transfer Agreement with Centurion Medical Liability Protective Risk Retention Group (Centurion).


Constellation acquires Michigan Professional Insurance Exchange (MPIE).

Constellation merges with Curi Holdings, Inc. (Curi), a North Carolina-based mutual insurance holding company. Both companies will operate under the name Curi.