Florida physicians shopping for medical malpractice insurance frequently encounter names such as The Doctors Company, MedPro Group, ProAssurance, MAGMutual, Coverys, and Curi. Physicians with prior claims, non-renewals, unusual procedures, or complex practice structures may also encounter specialty excess-and-surplus markets such as Admiral, General Star, and Markel.

A list of company names is only a starting point. Carrier appetite changes, individual risks are underwritten separately, and not every company writes every specialty or practice in Florida. A strong carrier for a claim-free primary care physician may not be the right market for a surgeon with a prior settlement, a pain physician performing interventional procedures, or a medical spa requiring entity and injector coverage.

Island Insurance Group helps physicians compare available options based on policy language and underwriting fit. Visit our Florida medical malpractice insurance resources or begin the physician underwriting assessment.

Major Carrier Names Florida Physicians May Encounter

The following is an educational overview—not a ranking, endorsement, or complete list. Mentioning a carrier does not mean Island Insurance Group is appointed with, represents, or can directly access that company. Availability must be confirmed for each applicant through an appropriately licensed agent, broker, or wholesale intermediary.

1. The Doctors Company

The Doctors Company identifies itself as the nation’s largest physician-owned medical malpractice insurer and maintains a dedicated Florida insurance offering. Florida physicians may recognize the company through its direct brand as well as its long history in the state’s medical professional liability market.

When reviewing a proposal, physicians should examine the applicable policy form, claims-handling provisions, consent-to-settle language, risk-management resources, tail provisions, and whether the quote includes the individual physician, professional entity, employed clinicians, and all requested locations.

2. ProAssurance

ProAssurance has long written medical professional liability coverage for physicians and healthcare organizations, including Florida-specific physician applications. However, physicians and SEO publishers should not describe ProAssurance as entirely independent of The Doctors Company: The Doctors Company announced that it completed its acquisition of ProAssurance in 2026.

ProAssurance may continue to appear as a recognizable operating or underwriting brand during integration. Applicants should rely on the insurer and issuing-company information shown on the current quote and policy rather than assuming that two familiar brand names necessarily represent unrelated insurance groups.

3. MedPro Group

MedPro Group is a prominent national healthcare liability organization serving physicians, healthcare professionals, facilities, and related organizations. Florida applicants may encounter MedPro when seeking traditional medical professional liability coverage, subject to the company’s current state availability and underwriting appetite.

A recognizable national name does not eliminate the need to compare forms. Confirm whether defense costs are inside or outside the limits, how settlement decisions are handled, which ancillary proceedings are covered, and how the policy treats prior acts and changes in practice.

4. MAGMutual

MAGMutual describes itself as a mutual insurer owned and led by its policyholders, with medical professional liability as its foundational coverage. Its materials emphasize healthcare-focused protection, risk management, claims support, and policyholder benefits.

Mutual-company status can be relevant, but it should not decide the purchase by itself. Dividends or other policyholder benefits are generally not guaranteed. Compare the actual premium, eligibility rules, tail terms, claims handling, exclusions, and total coverage package.

5. Coverys

Coverys describes itself as a national medical professional liability insurer and risk-solutions organization. Depending on the applicant and market availability, its offerings may be relevant to individual healthcare professionals, groups, and larger healthcare organizations.

For a group practice, verify whether the proposal addresses both professional liability and the entity’s separate exposures. A physician policy does not automatically replace general liability, cyber liability, employment practices liability, property, workers’ compensation, or management liability coverage.

6. Curi

Curi offers medical professional liability and related risk-management services for healthcare professionals and organizations. It also provides broader advisory and financial services, but those additional services should not distract from reviewing the specific insurance contract being proposed.

Ask which insurance company issues the policy, whether that company is admitted in Florida for the placement, what endorsements apply, and which services and clinicians are included.

Specialty and E&S Markets for Hard-to-Place Risks

Not every physician fits a standard carrier’s underwriting guidelines. Prior claims, non-renewal, licensing matters, gaps in coverage, high-risk procedures, telemedicine, multiple states, or unusual ownership and supervision structures can require specialty or excess-and-surplus placement.

E&S insurance is not automatically inferior, and it is not evidence that a physician is uninsurable. It is a different part of the market designed to consider risks that admitted carriers may decline or restrict. Because forms and regulatory protections can differ, the proposal requires careful review.

7. Admiral Insurance Group

Admiral offers E&S malpractice coverage for physicians and also maintains healthcare programs for virtual care, medical spas, ambulatory surgery centers, and other medical risks. Admiral’s physician materials explain that coverage is structured around specialty and scope of practice.

This type of market may be considered when an account falls outside standard guidelines. Access commonly involves a wholesale broker, and eligibility remains subject to underwriting.

8. General Star

General Star offers medical professional coverage for physicians, surgeons, dentists, medical directors, advanced-practice clinicians, and miscellaneous healthcare facilities. Its special-risk physician program specifically addresses physicians and small groups that cannot obtain standard-market coverage.

General Star materials describe claims-made offerings, prior-acts options, and extended reporting choices for certain programs. The exact terms depend on the quote and endorsements issued for the individual risk.

9. Markel

Markel offers medical professional liability solutions for healthcare organizations and professionals, including non-admitted healthcare products. Its broader healthcare portfolio can include professional liability and related coverages for facilities and allied medical operations.

When a policy combines professional and general liability, verify whether limits are separate or shared and whether one category of claim can erode the aggregate available for another.

Why This Is Not a “Top 10 Carrier” Ranking

Ranking malpractice carriers without seeing the applicant and policy forms is intellectually weak. Price and brand size alone do not reveal whether a policy protects the physician’s actual practice.

A fair comparison requires answers to questions such as:

• Does the carrier currently write the physician’s specialty in Florida?
• Will it consider the physician’s claims, settlements, board history, or coverage lapse?
• Are all procedures, locations, states, and telemedicine activities disclosed and covered?
• Is the policy claims-made, claims-made-and-reported, or occurrence?
• Will the new carrier preserve the correct retroactive date?
• Are defense expenses inside or outside the liability limits?
• Who controls or consents to settlement, and does a hammer clause apply?
• Does the policy include license-defense, regulatory, subpoena, or cyber-related benefits?
• Is the professional entity insured in addition to the individual physician?
• What happens to tail coverage at retirement, disability, death, or a job change?

Admitted Versus E&S Malpractice Insurance in Florida

An admitted insurer is licensed by the Florida Office of Insurance Regulation for the applicable business. A surplus-lines placement involves an eligible non-admitted insurer and is placed under Florida’s surplus-lines framework. The distinction affects rate and form regulation, guaranty-association treatment, taxes and fees, and placement procedures.

Do not interpret “admitted” as automatically better coverage or “E&S” as automatically poor coverage. A narrowly written admitted policy can be a worse fit than a carefully structured specialty policy. The correct analysis examines the insurer, financial strength, form, exclusions, limits, claims provisions, and the physician’s risk.

Carrier and surplus-lines eligibility can be checked through the Florida Office of Insurance Regulation and applicable Florida surplus-lines resources. The issuing company—not merely the marketing brand—should appear on the quotation and policy.

Why Quotes From the Same Carrier Can Differ

Two physicians in the same specialty can receive different premiums or terms because underwriting considers far more than the specialty name. Factors can include:

• County and practice territory
• Procedure type and annual volume
• Claims frequency, severity, and current reserves
• Years in practice and board certification
• Hospital, outpatient, telemedicine, or locum work
• Requested limits and deductible
• Retroactive date and years of prior exposure
• Employment of physicians, NPs, PAs, CRNAs, injectors, or other clinicians
• Licensing, credentialing, or disciplinary history
• Risk-management controls and completeness of the submission

This is why an “average Florida malpractice price” can be misleading. A useful quote requires a complete, accurate application and enough supporting material for the carrier to understand the exposure.

How Florida Physicians Should Compare Carrier Proposals

Preserve the retroactive date

When replacing a claims-made policy, confirm that the new proposal carries forward the correct retroactive date or determine whether an extended reporting endorsement is required. Resetting the date can leave prior professional services uninsured.

Compare coverage forms, not summaries

A quote summary cannot reveal every exclusion or condition. Review the specimen policy, endorsements, definition of professional services, insured-person provisions, defense language, settlement terms, and extended reporting options.

Confirm the complete practice structure

The individual physician, professional corporation, employees, independent contractors, medical directors, supervising physicians, and multiple locations may require separate scheduling or coverage. Never assume the entity is covered because the physician received a quote.

Review financial strength and issuing company

Brand names can represent multiple insurance companies. Confirm the legal name of the proposed insurer and review current financial-strength information from the applicable rating organization. Ratings are opinions, can change, and are not guarantees of claim payment.

Start before the renewal deadline

Complex submissions take time. Current loss runs, claim narratives, board documents, procedure details, contracts, and prior-policy records may be required. Beginning early gives the broker more time to correct inconsistencies and approach appropriate markets.

Florida Specialty Coverage Resources

Carrier appetite becomes especially important in higher-risk or structurally complex specialties. Island Insurance Group maintains dedicated resources for:

• Pain management malpractice insurance in Florida
• MedSpa and aesthetic-practice insurance in South Florida
• OB/GYN malpractice insurance in Florida
• Surgeon malpractice insurance, including prior claims
• ER and anesthesia malpractice insurance for locum and moonlighting work

Editorial and insurance disclosure: This article was last reviewed September 2, 2026. Carrier ownership, products, state availability, underwriting appetite, ratings, and policy terms can change. Company names and trademarks belong to their respective owners. Carrier references are educational and do not imply appointment, affiliation, endorsement, or guaranteed access. This content is general insurance information, not legal advice or a coverage guarantee. Policy language and carrier underwriting control.