Following is some information from the American Physicians website:

Medical Liability Expertise

• We have been providing medical professional liability insurance since 1976.
• Medical professional liability is our business, not a side-line.
• Our management team and staff includes actuaries, attorneys, medical personnel, and insurance professionals with many years of experience in the professional liability market.

Physician Focus

• American Physicians was founded by physicians and our board of directors includes doctors.
• To maintain a first-hand understanding of the special needs of our service areas, we have formed physician advisory groups to represent our policyholders.
• We have earned the endorsements of numerous medical societies and physician groups.
• We have a long history of political advocacy, including working with organized medicine on issues of importance to the medical community.

Expert Claims Handling

• American Physicians is dedicated to the aggressive defense of non-meritorious claims.
• Our knowledgeable claims staff averages approximately 15 years of professional liability claims handling experience and includes lawyers, paralegals, and medical personnel.
• We have a 97 percent satisfaction rating from insureds who have experienced claims or trials.
  

Rigorous Underwriting and Risk Management

• Stringent underwriting standards and risk selection allow us to insure only the best physicians.
• Our innovative risk management services help policyholders maintain high quality practices with a lower risk of claims.
• Our goal is to offer each policyholder the best value and coverage for their practice. We accomplish this through:

  

   

Financial Stability

• American Physicians is fiscally sound and is highly rated by A.M. Best.
• Our assets exceed $1 billion.
• We maintain a strong reserve of funds to pay claims.
• We meet or exceed all regulatory requirements.

The Protection of a Licensed/Admitted Insurer

• American Physicians is admitted and licensed to do business in all states in which we sell insurance - this means that we are subject to the financial oversight and market conduct regluations of each state's department of insurance.
• Licensed/admitted insurers also qualify for protection under the state's guaranty fund, which will intercede to protect the interests of policyholders and pay claims if the company is unable to do so.