Optimize Coverage

Optimize Coverage

Coverage without compromise that’s both dependable and flexible to meet the specific needs of your practice.  That’s our promise.

In addition to professional liability coverage, most of our policies include additional coverages such as Cyber Solutions® and Medefense® Plus and patient medical expense.


The cornerstone of what we do is protecting you so you can practice medicine the way you choose. Our underwriters will work with you so your policy meets the needs of your practice.


You may name a professional corporation, limited liability company or partnership entity on your individual policy at no additional charge.


Additional peace of mind at no additional cost. The coverages listed below are included with your medical liability policy. For coverage limits, see your policy or call a UMIA underwriter.

Patient Medical Expense Coverage

The flexibility to help patients if they have an issue will often discourage the filing of a liability claim. This coverage reimburses reasonable out of pocket medical expenses incurred by patients due to professional services provided that resulted in an unanticipated outcome. This benefit is available regardless of fault and doesn’t count against you as a claim.

Employment Practices Coverage

Reimburses your legal defense expenses against employee allegations of discrimination, harassment, or inappropriate employment conduct.

Cyber Solutions® and Medefense® Plus

A comprehensive suite of coverage designed specifically for the health care industry.

In the health care industry today, it’s not a matter of if a breach or violation will occur—it’s a matter of when. Protect your business and reputation with Cyber Solutions® and Medefense® Plus—included with most medical professional liability insurance (MPLI) packages, at no additional charge and with no deductible.

Eligible policyholders include independently owned and operated physician practices, hospitals, senior living and other health care facilities with revenues less than $250 million and medical professional liability deductibles less than $250,000.

General Liability Coverage

An accident at your professional office that causes injury or property damage will be covered up to your loss limit for the amount you are legally obligated to pay.


Make sure you’re still covered if you choose to cancel your policy. The extended reporting period (tail) protects you from claims filed after your policy is canceled.


We will provide an extended reporting period (tail) at no additional premium in the event of death, total and permanent disability, attainment of age 60 with 15 years continuous coverage, attainment of age 62 with 10 years continuous coverage and permanent retirement from the practice of medicine with one year of continuous coverage with us.


Eliminate the need to purchase tail coverage from your previous provider. We will protect you against claims filed against you for medicine practiced prior to your policy with us. If you are practicing medicine in the UMIA coverage area and are switching coverage, call us to find out if you are eligible.

The coverage provisions included here are part of UMIA’s standard policy form. The actual language of the policy issued will control the specific coverages available. In providing this summary, UMIA Insurance, Inc. does not waive any rights established by the policies it issues. State amendatory endorsements are not included in this summary.