Workers’ Compensation
Our Workers’ Compensation program provides savings of up to 50% off current market prices with easy enrollment by telephone. Small practices will benefit from the low minimum premium of $400 per year. Medical groups are also eligible for significantly discounted rates.
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Business Insurance (Property and Liability)
Our Business Insurance program combines the broadest coverage enhancements currently available to California physicians with discounts not available through other insurance agencies. Quotes and enrollment are handled over the phone in just minutes.

Program highlights include:

• Low annual minimum premiums
• Premises liability limits of $2MM/$4MM
• Expanded property coverage form
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Directors and Officers Liability
If you are a Director, Officer or Partner in a medical corporation, your assets could be at risk if you face any of the following allegations:

• Imprudent management
• Suits by employees, panel members, payers or shareholders
• Anti-trust or civil rights allegations

D&O Coverage insures you for these and other specialized risks.
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Managed Care Errors and Omissions
Physicians engaging in “moonlighting” and /or subcontracting activities may not have coverage while performing services such as Medical Director, Utilization Review, Workers’ Compensation File Review, Consulting, Expert Witness Testimony and Benefit Determination. Our Managed Care Errors and Omissions program allows you to “carve out” these specific exposures and create a customized policy for the specific coverages you need.
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Employment Practices Liability Coverage
Defending non-meritorious employee-related claims—such as discrimination, sexual harassment, wrongful termination, failure to promote and creating a hostile work environment—can be financially crippling. Furthermore, you may have liability exposure even without any actual employees. We offer insurance products and risk management programs at exceptional prices that minimize these risks.
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Expanded Coverages
Compare this program to similar policies. You’ll find that the coverages offered through MRMI provide up to double the limits of similar policies for personal injuries to patients and the general public on your office property. Other expanded protections include:

• Non-owned, rented or leased commercial automobile coverage
• Medical charts and x-ray films
• Business income and extra expense, actual loss sustained
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Please refer to the issued policy for specific details regarding coverages and conditions of this program. Policy issuance is subject to underwriting approval. Insurance policies for this program are issued by Hartford Fire Insurance Company or one of its affiliated insurance companies.