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Who actually pays when something goes wrong.

We are your broker. We do not pay claims. The insurance company behind your policy does. In our world, those companies are called markets. Here is who stands behind your practice, and why we use more than one.

Markets rated A or better by AM Best Licensed in all 50 states Since 2001

What a market means for you

Think of us as your buyer. You tell us what your practice does. We take it to the insurance companies that are good at that kind of risk and find the right fit. Those companies are the markets. The more of them we can go to, the more often we can say yes.

The care you give patients

Injectables, hormones, weight loss, IV therapy and regenerative treatments are new and change fast, so many everyday insurance companies will not write them. We place this part of your practice with specialty insurance companies built for it. These are nationally known names in medical and specialty insurance, including Lloyd's, MedPro and Admiral, and some have been paying claims for more than 200 years.

Every one is rated A or better by AM Best, the independent agency that grades whether an insurance company can pay its claims.

The business around it

Your space, equipment, team, cars and patient data are everyday business risks. For those, we use The Hartford, one of the oldest and largest business insurance companies in the country, with the same A or better rating.

What this means for you

  • We can usually say yes. When you add a new treatment, we already know which companies will write it.
  • One team sees everything. Your malpractice and your business policies sit with the same people, so gaps get caught.
  • Your renewals can line up. Fewer dates to track, and nothing quietly runs out.
  • You hear about changes early. If a company starts pulling back on a treatment you offer, we see it first and look for another option before your renewal.
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