How to find a good carrier

Choosing a professional liability carrier is one of the most important practice decisions you will make. The key is to weigh your premium against the protection, service, financial strength and long-term stability of the carrier. You really do get what you pay for in Medical Professional Liability (MPL).

Factors to consider
How we rate
Expertise and record of service to area physicians
We have covered physicians in California since 1975; in Idaho since 1976; in Alaska since 1977; in Hawaii since 1981
Financial strength/security
Best’s “A-“ [Excellent] rating
Medical society sponsorships
Endorsed by 11 county, state and medical specialty associations
Competitive and stable rates
We take the long view when setting rates in every effort to keep them stable and predictable. As a result, we consistently lose less than 1% of policyholders to our competitors every year.
Not-for-profit company
We are a not-for-profit carrier owned by our policyholder. Profits are returned to our policyholders.
Dividends to policyholders
Because of our excellent claims handling, favorable operating results and rigorous control of expenses, we have returned in excess of $245 million to policyholders since our inception.
Percentage of claims resolved without payment to the plaintiff
Almost 90%
“Admitted” and “Regulated”
These are features of companies like MIEC who must submit to the oversight and regulations of the state Department of Insurance where they issue policies

Want more help in choosing a carrier? Read our Buyer’s Guide.



Join Us / Apply Here

Premium Calculator

Get a quote online now.

MIEC's Revised Business Associate Agreement

Get a Certificate of Insurance

Login Required

Get a Claims History

Login Required

Access your Recent Invoice

Login Required




MIEC has partnered with Med-IQ to provide case-based, online CME programs. See new 2017-18 coursework.


PARS premium credit Information

Educational webinars

View new Advanced Care Planning webinar. View other live and on-demand programs.

DataGuard Coverage

This additional insurance coverage protects your practice in the event of a privacy breach.

CRICO Strategies for Patient Safety

Evidence-based risk management from the Harvard medical community

2016 Five Year Financial Review