Services

Our Approach to Underwriting

We don’t take short cuts and there are no cookie-cutter approaches. We prefer to bring our deep expertise and fresh, strategic thinking to each Member opportunity, in order to map out the right coverage for their individual needs.

That’s protection that pays.

How We're Different

Our underwriting team makes a difference by approaching each opportunity with strategies tailored to our Members’ unique risk scenarios. Guided by our purpose to protect, support, and defend our Members, we deliver thoughtful solutions that reflect our commitment to their security, success, and peace of mind – and work to make the process easy on them.

Broad Coverage for Today's Risks

From automatic coverage for locum tenens and ease of policy changes, to peer review liability protection, telemedicine and disciplinary board coverage, our broad policy form reflects the realities of practice today. Our novel Criminal Defense Reimbursement Coverage adds stellar protection and invaluable peace of mind.

Administrative Ease

Managing named insureds on a policy shouldn’t’ be a burden. We make it easy to maintain rosters, add or remove providers and maintain credentialing, so our Members can focus on patients, not paperwork.

Long-Term Stability

As a mutual company, Physicians Insurance is rooted in shared ownership among our Members, the delivery of financial stability alongside expertise, and a deep commitment to Member needs.

Rather than perform like a profit-driven carrier, we price our services as reasonably as we can while devoting more premium dollars to the defense of our Members than is reported by our industry peers.¹ This rating and our approach to high-touch service highlights our ongoing commitment to provide enduring stability for Members.

¹Milliman’s MPL Financial Insights: A Summary of Statutory Financial Results for MPL Specialty Companies. December 31, 2023.

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Our People

Our team brings their passion for this work – alongside our corporate values of expertise, commitment, and a people-first mindset – to every decision, while crafting the most suitable coverage to support each Member's unique risk scenarios.

Our team works hard and works fast to support Members and brokers when they need us, whether we’re answering coverage questions or walking through practice scenarios. Our goal is to ensure that the full picture is considered as we work together to mitigate risk and protect, support, and defend our Members.

Gina Anderson, RPLU | Associate Director of Underwriting
The risks and challenges of our Members are not static. As part of our commitment to Members, we as underwriters need to be agile and proactive, enhancing coverage as the landscape shifts, to continue to offer the best possible protection.

Mary Beth Bowles, MBA, ARM | Vice President, Underwriting
Physicians Insurance has a culture of constant learning: Learning from our members, our partners and from industry best practices so that we can consistently provide the most effective solutions and the best possible coverage and services for our Members.

Kelly Gannon, RPLU, ARM | Director, Underwriting
It is incredibly satisfying to see all the resources Physicians Insurance provides to make a difference for our Members. We truly live the mission of protecting, defending, and supporting our Members.

Myra Woods, MPA, MBA | Underwriter

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