MedPro Malpractice Insurance Reviews

With MedPro Malpractice Insurance Reviews in mind, here’s what you need to know about MedPro Group, a leader in in healthcare malpractice insurance space.

MedPro Group, formerly known as Medical Protective, is an American liability insurance company for physicians and dentists. MedPro Group traces its roots back to a predecessor company, the Physicians’ Guarantee Company. Alpheus P. Buchman, MD and Miles F. Porter, MD, both of Fort Wayne, Indiana, formed the Physicians’ Guarantee Company in 1899 to provide pre-paid legal defense services for medical malpractice lawsuits.

The company is considered one of the first companies to offer pre-paid legal defense services in the United States. In 1902, Physicians’ Guarantee Company changed its name to the Physicians’ Defense Company. In 1907, Byron H. Somers and Charles M. Niezer left the Physicians Defense Company and founded The Medical Protective Company and in 1913, Medical Protective acquired Physicians Defense Company. Byron Somers and by his descendants ran Medical Protective until 1998 when General Electric purchased the company. In 2005, Warren Buffett’s Berkshire Hathaway purchased the company for $825 million.

No matter what stage in you are at in your career, you will need medical malpractice insurance coverage sooner or later. Plain and simple.

The history and financial strength of MedPro

MedPro currently has an A+ (Strong) rating from Standard & Poor’s, and an A++ (Superior) financial rating from A.M. Best.

According to the company’s website, the A.M. Best rating reflects:

  • MedPro’s leading market presence, distribution capabilities and aggressive claims philosophy.
  • Historically strong pre tax-earnings supported by a stable and substantial level of invested asset base.
  • Improved accident year results highlighted by positive operating cash flows.

MedPro’s medical malpractice insurance coverage

Available features of MedPro’s malpractice insurance policies include:

Occurrence, claims-made and convertible claims-made coverage options. An occurrence policy will pay a claim based on when a potential malpractice incident occurred. This will stand even if you no longer carry the coverage when a suit or complaint is filed.

On the other hand, a claims-made policy only provides coverage as long as you pay premiums. This means you must have coverage at:

  • The time of the incident.
  • The time the malpractice claim is made.

Claims defense. MedPro states it wins 90 percent of all physician liability trials.

Consent-to-settle provision. This provision states that the insurance company has to obtain your written permission before it can settle. If you don’t consent, the insurance company cannot settle. Instead, it must allow the complaint to go through the legal process. (Read more on consent-to-settle provisions.)

Free tail coverage for physicians entering retirement. This is only available to those who’ve been covered for at least one year by the company.

Cyber and privacy liability insurance. Your malpractice policy is equipped with a $50,000 coverage limit.

Other available options. General liability, omissions and other insurance coverage are also available.


Credits and other benefits

MedPro offers a number of credits and benefits to certain medical specialties. For nurse practitioners, the company offers:

  • An employed discount of 19 percent.
  • A 25-percent new-to-practice credit in their first year.
  • A 10 percent risk management premium credit.

Certified Registered Nurse Anesthetists (CRNA’s) can qualify for:

  • Up to a 65 percent credit for part-time and moonlighting coverage.
  • A 50 percent credit during their first year of practice.
  • A 25 percent credit during their second year of practice.
  • A 5 percent risk management premium credit.

Physicians assistants can receive:

  • A 10 percent credit for membership in the American Academy of Physician Assistants (AAPA).
  • A 10 percent risk management premium credit.
  • There is a 25 percent first-year credit for new physician assistants.
  • A part-time and moonlighting credit up to 67 percent.

Optometrists can earn:

  • A 5 percent credit for being members of the American Optometric Association (AOA).
  • A 25 percent first-year credit for being new to practice.
  • A 60 percent credit available for part-time and moonlighting coverage.
  • A 5 percent risk management premium credit.

The above specialties also have access to the following benefits:

  • $10,000/$25,000 administrative hearing defense for state disciplinary hearings, licensure actions and Medicare/Medicaid billing defense.
  • $10,000 for Health Insurance Portability and Accountability Act (HIPAA) proceedings.
  • $2,000 per instance and $100,000 aggregate for medical payments, regardless of fault.
  • $5,000 deposition defense (when not named in a suit).
  • $2,500 per day/$10,000 aggregate for loss of earnings while assisting in your defense.
  • Flexibility for leave of absence. This includes military, educational, family, and medical leave; short-term disability; and sabbaticals.

Podiatrists and chiropractors are eligible for:

  • $35,000 in coverage for loss of earnings in the event you have to miss work for legal proceedings.
  • $25,000 limit on expenses related to defending against alleged HIPAA violations.
  • $10,000 if you are required to provide a deposition in a claim in which you are not named.
  • $100,000 if you are required to undergo a meaningful use audit.

Key takeaways

It’s no secret why Medical Protective Group has been an industry staple for over a century. Still, that doesn’t mean they are a one-size-fits-all solution. In reviewing your malpractice insurance options, it’s important to consider:

  • MedPro’s history and enduring financial strength.
  • The ins-and-outs of its medical malpractice insurance coverage.
  • All the various specialty-specific benefits and discounts it has to offer.


MedPro Malpractice Insurance Reviews – Why choose MedPro?

  • A Berkshire Hathaway company that has defended physicians since 1899
  • Over 130 physicians and healthcare leaders serve on MedPro’s Specialty Advisory Boards- representing over 18 healthcare specialties, including cosmetic surgery
  • Only healthcare liability insurer with an A++ (A.M. Best) financial strength rating
  • 400,000+ malpractice cases handled
  • 140,000+ insureds

The quality of MedPro’s coverage, competitiveness of terms, and demonstrated collaboration with AACS has led to the decision to provide this coverage option.

If you’re completing an AACS certified Fellowship in Cosmetic Surgery, Medical Protective is your coverage solution. MedPro can offer you substantial savings through a 50% premium discount for the entirety of the fellowship and your first year in practice, if there have been no changes in practice or loss history and subject to underwriting guidelines. In states that don’t allow this fellowship rating, the MedPro underwriting team will apply the maximum credits available. Cosmetic surgeons may also be eligible for risk management, new to company, or other discretionary credits.

To get a quote:

Contact the National AACS/MedPro Sales Liaison Kevin Spitz, CPCU, at [email protected] or 800-211-1476, or talk to your local MedPro independent agent.

To learn more about MedPro, visit their website at

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