Overview of Our Services

The Premium Group Inc. provides easy, accessible, and reputable medical malpractice insurance solutions. We thoroughly evaluate, understand, and communicate critical insurance components, including:

• Carrier Strength – We continually monitor our professional liability insurance carriers through A. M. Best, input from key carrier officers, and the carriers’ own financial statements.
  
  
• Policy Form Consistency – It’s critical that doctors understand their policy’s elements. Therefore, we review each carrier’s forms and compare the differences, such as Consent to Settle, Claims Triggers and Corporate Coverage.
  
  
• Defense Posture – Carriers demonstrate different commitment levels when it comes to the day-to-day defense of their clients. We evaluate these commitments through the carrier's corporate office and defense team communications and observe each carrier’s results over time.
  
  
• Financial Value – We consider the factors above, as well as the intangibles (access to underwriting, billing accuracy, etc.), when we weigh carrier quotes. Price is an important factor, but only if the other elements remain consistent.

We provide researched recommendations to help you make the best decisions for your needs and financial position.