Frequently Asked Questions


Doctors and administrators who have joined HU have told us that they have been impressed by the open access available to company leadership and information about HU.

By following the links below, you will have immediate access to the common questions we hear. This information is provided for your convenience. However, this is not your only resource. HU is owned by and serves doctors and their administrators/agents. Feel free to call for additional information and support whenever you need it.

So, ask away! The more you learn, the better HU looks.

Every decision made at HU is focused on what is best for our policyholders. HU’s parent company Board of Directors includes physicians who are also policyholders and shareholders. The Board governs the company by setting policies and making important decisions such as rate setting, approving an annual budget and more. HU also has physician led underwriting and claims (peer-review) committees, which are comprised of physicians located in different states and of different specialties. HU aggressively defends claims and has built its reputation by defending its policyholders' reputations.
Financial strength and integrity are the cornerstones of HU's formation. HU's ratio of premium dollars to capitalization (surplus) dollars and its risk based capital (RBC) are some of the strongest in the industry. In addition, HU has secured high quality reinsurance from some of the largest and most financially sound reinsurers in the world to protect from catastrophic losses. HU maintains an A' (A Prime), Unsurpassed rating with Demotech.

HU is very pleased to announce the completion of the merger of Healthcare Underwriters Group of Florida, Inc., Healthcare Underwriters Group Insurance Company of Kentucky, Inc., Healthcare Underwrites Group of Ohio, Inc. and their management companies. The combined insurance company, HU, holds nearly $100 million in assets and is wholly owned and managed by its parent company, Global Insurance Management Company, Inc.

The completion of these complex series of transactions to form a single stock insurance company positions HU well for growth opportunities in a rapidly changing market sector. HU will now have greater size, financial stability and flexibility to conduct business and provide more innovative programs that will benefit its policyholders and shareholders. The new corporate structure is expected to provide the flexibility to be able to achieve broader licensing in other states, seek business from large multi-state physician groups, healthcare facilities and other entities and provide greater access to capital.

HU’s parent company board of directors, comprised primarily of doctors, annually review premium recommendations from HU’s independent actuary. Those recommendations are based on loss experience. After a review of the data, your elected colleagues will select the rates to be approved by Insurance Departments. Every attempt is made to establish the appropriate rate for each specialty.

There are two effective ways to build an insurance company – directly or through the use of qualified agents. It has been our experience that both distribution models develop similar costs. Unlike other lines of insurance, the sale of professional liability protection is not a process that can be effectively automated. It takes time and communication to tell the HU story and to help a doctor/group through the underwriting process.

HU has been able to quickly and cost effectively provide superior service to doctors by carefully selecting agencies/agents that:

1. Possess years of experience in medical malpractice insurance, and
2. Have a demonstrated history of putting their doctors/clients interests ahead of their own.
"Non-assessable" means that HU's physician policyholders will not be “assessed” to pay additional premium dollars if losses are greater than expected. To protect against extraordinary losses, HU has secured high quality reinsurance.
Tail coverage is an endorsement that is offered at a premium charge upon cancellation or non-renewal of a policy. If purchased, it provides additional time to report claims that arise from occurrences which took place on or after the policy’s retroactive date up to the policy’s cancellation date.

Yes, the tail endorsement is provided to individuals at no premium charge under the following conditions:

A. Death
B. Total disability from the permanent inability to perform the material duties of a healthcare professional.
C. Permanent retirement from the practice of medicine for compensation after being continuously insured by HU for at least one year and having a retroactive date that is at least 48 months prior to the date of retirement.
Prior acts, or nose insurance coverage, protects a doctor from a prior act (treatment rendered to a patient), but not reported as a claim until after the doctor’s previous policy expires or was terminated. HU offers prior acts coverage to policyholders who meet its underwriting criteria to purchase this coverage.

HU works with independent agents throughout the nation.

If you would like to have an agent contact you to start the application process, Click Here.

HU offers a claims made policy, which is the type of policy offered by most medical malpractice insurance companies in the United States.
HU offers annual limits of $1 million with up to $2 million available. Additional limits and specific needs of large medical groups will be considered upon request. In the state of Florida limits of $250,000, $500,000, and $1,000,000 are offered.
Yes, HU accepts applications from qualified physicians from any specialty and any state in the country in which HU is licensed. Appropriate premiums are charged for each specialty. The objective is to apply a downward pressure on rates by insuring good doctors and defending them aggressively, regardless of specialty or location.
A claim, for purposes of your insurance coverage with HU, is a written or oral demand by a patient or the patient’s representative for the payment of damages, or notice from you of an incident that you reasonably expect to result in a demand for the payment of damages, based or care that you provided or on care that was provided by a subordinate or employee for whose acts or omissions you are legally responsible. A request for records or a notice that someone is merely investigating your care to determine whether to assert a claim will not be treated as a claim unless you inform us that you expect that the patient or the patient’s representative will make a demand for the payment of damages. If you are concerned about a situation and unsure what to do, please feel free to call HU’s claims department for guidance. This is your company. Our defense team works for you.
Whenever you receive a written or oral demand for payment based on care that you or someone that you supervise provided, you should contact HU as soon as possible. In most cases those demands will be in the form of a formal Notice of Intent to pursue a claim or in the form of a Summons and Complaint in which you are named as a defendant in a lawsuit. If you receive such a Notice of Intent or a Summons and Complaint you should notify us immediately because the time that you have to respond is limited. You also should report promptly any letters from a patient or patient’s lawyer making a demand, any notice of intended litigation, or any request for arbitration, or other alternative dispute resolution. Additionally, if you believe that an adverse medical event occurred that you expect to result in such a demand to pay damages you should report that event to HU promptly.
You can report a claim to HU in a variety of ways: phone, fax, email or via HU’s website on the Contact Us page. To contact HU by telephone, please call:

Toll Free Phone: (866) 484-5715
Toll Free Fax: (866) 923-0019

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Certainly. Defense is what Healthcare Underwriters is all about.

Through our extensive experience in defending medical professional liability claims, HU has identified the most experienced and successful medical professional liability defense attorneys in the locations where our policyholders practice. Like the practice of medicine, the practice of law has developed specialists and subspecialists who have extensive knowledge and talent in particular fields based on unique training and years of experience. The lawyers that we appoint to represent policyholders specialize in defending physicians against professional liability claims. They have exceptional records of success in trying cases to verdict and exonerating policyholders.
Practicing physicians.

HU’s defense counsel will retain medical experts in the same specialty as the defendant physician to determine whether the care that HU’s policyholder provided was reasonable. Many times your counsel also will seek the medical advice and testimony of a variety of specialists to bolster the defense that your alleged acts or omissions were not the cause of the claimed injury.

In addition to the medical experts retained by your defense attorney, HU’s Claims Committee, consisting of other insured physicians, review claims presented to the Company. This Committee, consisting of a geographic and specialty mix of physicians, meets regularly throughout the year to review and advise HU’s Claims professionals as to the medical merit of a claim. Throughout the tenure of a claim or suit, both your defense attorney and HU’s Claims Department will keep you advised of the status of the case and will solicit your input and assistance in the continued defense.
Unfortunately, there is no definitive answer to that question. Some claims are resolved, or abandoned by the patient, within a few months. Conversely, lawsuits that have complicated medical issues and/or a number of defendants may take four to five years or longer before final resolution. The duration of any claim depends on multiple factors including the judge assigned to the case, the litigation strategies of the plaintiff and defense lawyers, the number of parties and expert witnesses involved, and the complexity of the medical and legal issues. We encourage defense counsel to move the case at the quickest pace that is most consistent with the best interests of HU's policyholders.
Simply put, HU’s top priority is defending it physician policyholders' reputations. Paying claims based on allegations that lack medical merit, either on issues of reasonable care or causation, not only injures the reputations of policyholders but also encourages plaintiff lawyers to assert claims that have no merit and to file “shot gun” lawsuits against multiple physicians. Over the long haul, it is far less expensive and in the best interest of HU policyholders’ reputations to provide its policyholders with a vigorous defense.
HU’s risk management approach is to be as pro-active as possible. Connect with our risk management team whenever you need personal attention for your practice by calling (866) 431-0200 or at [javascript protected email address]
In-person Risk Management Seminars are planned yearly. Check our schedules and watch for notices that will be sent out in advance of each presentation. HU Group also partners with top-ranked nationally known risk management companies to provide on-line, always available, education. Click here for more information
Connect with our risk management professionals to discuss your desire for an on-site Risk-Assessment by calling (866) 431-0200 or at [javascript protected email address]
HU partners with top-ranked, nationally known risk management companies to provide on-line, always available, and specialty specific continuing education. Click here for more information
HU offers proactive risk management self-assessments for physician offices. If insured with HU, check with you insurance agent or click here to contact us.
HU provides Risk Management Seminars, Information, and Risk Management Consultation without charge. Decisions regarding charges for other services (such as onsite risk assessments, office staff risk management education programs, etc.) will be made on an individual basis depending on the circumstances.
HU's application should be completed and emailed along with Loss Runs, CV and any other supporting documents to [javascript protected email address].
HU is considering implementing additional programs which will further benefit its current and prospective policyholders.
HU is a physician directed and governed medical malpractice insurance company that, for more than a decade, has earned its reputation by providing high-touch service and protecting its policyholder's reputation through an unparalleled defense program. HU always put the best interests of its policyholders first.
Financial strength and integrity are the cornerstones of HU's formation. HU's ratio of premium dollars to capitalization (surplus) dollars and its risk based capital (RBC) are some of the strongest in the industry. In addition, HU has secured high quality reinsurance from some of the largest and most financially sound reinsurers in the world to protect from catastrophic losses. HU maintains an A' (A Prime), Unsurpassed rating with Demotech.
HU prides itself in the team of highly experienced medical malpractice focused agents/agencies that the Company has been fortunate to work with since its inception. If you are an agent/agency with extensive regional or national experience in medical malpractice and are interested in being appointed with HU, please Click Here