MedPro Medical Malpractice Insurance 2026

When healthcare professionals search for medical malpractice insurance, they often come across numerous carriers promising comprehensive coverage and competitive rates. However, few can claim the longevity and market presence of MedPro Group. As the oldest professional liability carrier in the United States, MedPro has weathered economic downturns, regulatory changes, and evolving healthcare landscapes for over 125 years. 

This review examines MedPro’s current position in the medical malpractice insurance market, analyzing their coverage options, financial stability, and customer experience. Whether you’re a medical student planning ahead, a resident transitioning to practice, or an established physician considering a carrier change, understanding what MedPro offers can help inform your insurance decision. 

The medical malpractice insurance landscape has become increasingly complex, with carriers offering varied coverage structures, specialty-specific benefits, and risk management services. MedPro positions itself as a premium provider, backed by Berkshire Hathaway’s financial strength and over a century of claims experience. This review provides an objective analysis of whether their offerings justify their market reputation. 

Insurance Overview

MedPro Group, founded in 1899, operates as the oldest professional liability carrier in the United States and maintains its position as one of the top writers of medical malpractice insurance in the country. The company is owned by Berkshire Hathaway and boasts 115+ years of experience in healthcare liability coverage. 

The company operates from Fort Wayne, Indiana, and has experienced significant ownership changes throughout its history. General Electric acquired MedPro in 1998, before Berkshire Hathaway purchased the company from GE in 2005, maintaining ownership to the present day. This ownership by Berkshire Hathaway provides substantial financial backing and strategic stability. 

MedPro Group positions itself as the national leader in customized insurance, claims and patient safety and risk solutions for physicians, surgeons, dentists, healthcare professionals, hospitals, senior care and healthcare facilities. The company serves over 300,000 healthcare providers across various specialties, indicating substantial market penetration and experience across diverse medical practices. 

MedPro operates through multiple subsidiaries and affiliates, including specialized entities for different market segments. Their business model focuses on comprehensive liability solutions rather than simply providing basic coverage, emphasizing risk management, patient safety programs, and specialized claims handling expertise. 

The company has maintained consistent growth and market presence despite the highly competitive nature of the medical malpractice insurance industry. Their longevity suggests strong business fundamentals and the ability to adapt to changing regulatory environments and healthcare delivery models. 

Products and Services Offered

MedPro Group provides a comprehensive suite of insurance products and services designed to address the diverse needs of healthcare professionals and organizations. 

Core Insurance Products: 

MedPro offers occurrence, claims-made, and convertible claims-made coverage options. Occurrence policies provide coverage based on when incidents occur, regardless of when claims are filed or if coverage continues. Claims-made policies require active coverage both when incidents occur and when claims are made. 

The company provides medical malpractice insurance for physicians, surgeons, dentists, healthcare professionals, hospitals, senior care facilities, and other healthcare organizations. Additional coverage options include general liability, omissions coverage, and other specialized insurance products. 

Cyber Liability Protection: 

MedPro includes cyber and privacy liability insurance in their malpractice policies, providing $50,000 in coverage limits. This addresses the growing concern about data breaches and privacy violations in healthcare settings, particularly relevant given increasing digitization of medical records and telehealth services. 

Specialty-Specific Coverage: 

MedPro offers tailored coverage for various healthcare specialties, including nurse practitioners, certified registered nurse anesthetists, physician assistants, optometrists, podiatrists, and chiropractors. Each specialty receives specific benefits and coverage adaptations relevant to their practice patterns and risk profiles. 

Risk Management Services: 

The company provides comprehensive risk management programs, patient safety solutions, and educational resources. These services aim to help healthcare providers prevent incidents that could lead to malpractice claims while improving overall patient care quality. 

Claims Management: 

MedPro emphasizes aggressive claims defense, reporting a 90 percent success rate in physician liability trials. Their claims handling philosophy focuses on defending physicians rather than settling claims expeditiously, which can be particularly important for physicians concerned about professional reputation. 

Membership and Benefits: Value Beyond Insurance Coverage

MedPro Group offers extensive membership benefits and specialty-specific advantages designed to provide value beyond basic insurance coverage. 

Nurse Practitioner Benefits: 

Nurse practitioners receive an employed discount of 19 percent, a 25 percent new-to-practice credit in their first year, and a 10 percent risk management premium credit. These benefits recognize the employment patterns and career development stages common among nurse practitioners. 

CRNA Benefits: 

Certified Registered Nurse Anesthetists can qualify for up to 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, and a 5 percent risk management premium credit. 

Physician Assistant Benefits: 

Physician assistants can receive a 10 percent credit for American Academy of Physician Assistants membership, a 10 percent risk management premium credit, a 25 percent first-year credit for new physician assistants, and part-time and moonlighting credits up to 67 percent. 

Optometrist Benefits: 

Optometrists can earn a 5 percent credit for American Optometric Association membership, a 25 percent first-year credit for new practitioners, a 60 percent credit for part-time and moonlighting coverage, and a 5 percent risk management premium credit. 

Universal Professional Benefits: 

All covered specialties receive $10,000 to $25,000 administrative hearing defense for state disciplinary hearings, licensure actions, and Medicare/Medicaid billing defense; $10,000 for HIPAA proceedings; $2,000 per instance and $100,000 aggregate for medical payments regardless of fault; $5,000 deposition defense when not named in suits; and $2,500 per day up to $10,000 aggregate for loss of earnings while assisting in defense. 

Leave of Absence Flexibility: 

MedPro provides flexibility for various types of leave, including military, educational, family, and medical leave, short-term disability, and sabbaticals. 

Specialized Professional Coverage: 

Podiatrists and chiropractors receive $35,000 in coverage for loss of earnings during legal proceedings, $25,000 limits on HIPAA violation defense expenses, $10,000 for depositions in claims where they are not named, and $100,000 for meaningful use audit requirements. 

How the Insurance Process Works

Understanding MedPro’s insurance process helps healthcare professionals navigate policy selection, application, claims handling, and ongoing coverage management. 

Policy Selection and Application: 

The process begins with determining appropriate coverage types and limits based on specialty, practice setting, and individual risk tolerance. MedPro offers occurrence, claims-made, and convertible claims-made coverage options, each with distinct advantages depending on career stage and practice patterns. 

Applications typically require detailed information about medical practice history, previous claims experience, educational background, board certifications, and current practice activities. MedPro underwrites policies based on specialty-specific risk assessments and individual practice characteristics. 

Premium Determination: 

Premiums are calculated based on multiple factors including medical specialty, geographic location, coverage limits, policy type, practice setting, and claims history. The company offers numerous discounts and credits for specialty memberships, risk management participation, employment status, and career stage. 

Coverage Activation and Management: 

Once approved, policies provide immediate coverage according to selected terms. Claims-made policies require continuous coverage both when incidents occur and when claims are made, while occurrence policies provide coverage based on when incidents occur regardless of future coverage status. 

Claims Process: 

When potential claims arise, MedPro emphasizes immediate notification requirements. Their claims team conducts thorough investigations and develops defense strategies aligned with their aggressive defense philosophy. The company includes consent-to-settle provisions, meaning they cannot settle claims without written physician permission, instead allowing cases to proceed through legal processes if physicians refuse settlement. 

Risk Management Integration: 

Throughout the coverage period, MedPro provides ongoing risk management resources, educational programs, and patient safety initiatives designed to prevent incidents and improve healthcare delivery quality. 

Policy Renewal and Transitions: 

Annual renewals involve reassessing coverage needs, updating practice information, and adjusting coverage limits or types as appropriate. For physicians entering retirement, MedPro provides free tail coverage to those who have maintained coverage for at least one year. 

Financial Ratings and BBB Insights

Financial stability represents a critical factor when selecting medical malpractice insurance, as providers need assurance that their carrier can pay claims and maintain operations throughout potentially lengthy legal proceedings. 

A.M. Best Ratings: 

MedPro Group maintains an A++ (Superior) rating from A.M. Best, the highest rating available. The ratings acknowledge MedPro’s risk-adjusted capitalization at the strongest level as measured by Best’s Capital Adequacy Ratio, long-term profitable operating performance, and leading market position in the medical professional liability sector. 

A.M. Best also recognizes the group’s substantial distribution capabilities, prudent claims-handling philosophy, and culture of holistic risk management. The group consistently outperforms peers by most metrics, illustrated by substantial historical returns on equity, low operating ratios, and solid performance indicators. 

Standard & Poor’s Rating: 

MedPro currently maintains an A+ (Strong) rating from Standard & Poor’s, indicating strong financial security characteristics. This rating reflects the company’s capacity to meet policyholder obligations and withstand adverse economic conditions. 

Berkshire Hathaway Backing: 

MedPro benefits from its relationship with parent company Berkshire Hathaway Inc., which provides reinsurance programs, investment opportunities, and capital support. This relationship offers additional financial security beyond MedPro’s standalone financial strength. 

Better Business Bureau Status: 

MedPro Group is not accredited by the Better Business Bureau. While BBB accreditation is voluntary and does not necessarily reflect company quality, some consumers consider BBB status when evaluating service providers. 

Conclusion

MedPro Group combines over a century of experience with top-tier financial ratings, making it a strong contender for healthcare professionals who want dependable, long-term protection. Backed by Berkshire Hathaway and holding an A++ rating from A.M. Best, the carrier offers a level of financial stability few competitors can match.

Their policies go beyond basic malpractice coverage, with specialty-specific benefits, integrated cyber liability protection, and a proven track record in defending claims—boasting a 90% success rate in physician liability trials. These features, along with flexible leave options, make them particularly appealing to specialized practitioners like nurse practitioners, CRNAs, and physician assistants.

That said, MedPro’s premiums can run higher than some alternatives, so it’s worth weighing cost against the value of their comprehensive benefits and claims expertise. For those who prioritize financial security, strong defense strategies, and tailored coverage over the lowest price, MedPro remains a compelling option for peace of mind in a high-stakes profession.