Since 1978, PMSLIC has been the only Pennsylvania physician-directed carrier with proven stability coupled with a strong personal commitment to physicians and physician practices.

Always with you is our way of reaffirming our promise to provide the protection, stability and advocacy our insureds deserve from their medical professional liability insurance carrier. Always with you delivered uniquely by PMSLIC, is our pledge to meet the individual needs of our policyholders.

It is not by chance that over 95% of our policyholders choose to renew coverage year after year; that a majority of our policyholders earn CME credits and a premium discount by completing our Loss Prevention Discount Program annually; and that, in the last five years, 89% of claims taken to trial ended in defense verdicts for our policyholders.

PMSLIC is Always with you, stable and strong, anticipating your needs and prepared to assist with your insurance-related needs in any way that we can.

Quality and service in coverage

PMSLIC designs our products with the needs of our physician policyholders foremost. Our underwriting guidelines are solid. We offer claims-made coverage in order to establish more predictable and accurate rates and to be able to price our product in a responsible manner. Our service standards ensure that policyholders are afforded consistently high levels of service.

Quality and service in claims

PMSLIC works to defend good medicine. No claim is settled without the consent of our policyholder. PMSLIC uses defense counsel that best represent our claims management philosophy. We understand what's at stake when a policyholder's reputation is on the line.

Quality and service in risk management

Putting Prevention into Practice is the motto of the PMSLIC risk management team. Our goal is to provide PMSLIC-insured physicians with compelling educational materials, programs, and advice to help physicians identify and reduce some of the risks in medical practice.

PMSLIC risk management resources include:

• CME activities on risk management topics (online and pen-and-paper courses)
• Risk management newsletter
• Telephone consultations with risk management staff
• Risk management presentations
• Sample forms
• Litigation stress materials