Custom Programs

You may wonder whether healthcare liability insurance and related services can be crafted to meet a custom program’s unique needs; the answer is most definitely YES. No matter how large your potential program, ProAssurance has experience working with a variety of healthcare entities to create successful outcomes. Count on our flexible spectrum of solutions to help you reach your goals.

Expect our careful listening to help you address your circumstances. We seek to make program creation and participation as easy as possible—and understand your situation’s differences can help you ensure a strong outcome. Throughout the process, we respect your important expertise and control. Solutions may take a variety of forms (e.g., risk purchasing group, captive/segregated portfolio company structure, etc.)—with our recommendations and options based on your needs and size.

Everything we do is focused on treating you, and all with whom we work, fairly. You can expect nothing less as we engage with you on a solution and relationship for your program’s success.

Certitude by Ascension

This is a strong example of ProAssurance working with a very large healthcare organization to craft a program to that organization’s specifications. Certitude is a medical professional liability insurance program created with Ascension and underwritten by ProAssurance for physicians and related professionals who are affiliated with Health Ministries of Ascension. 

Integrating the importance of patient safety, the Certitude program first began insuring physicians in early 2011. More than twenty Health Ministries in twelve states are now participating, with additional Health Ministries’ involvement under development.

Visit the Certitude website to see the ministries in this custom program.


If you are an insuring entity, you can find additional success from pairing with ProAssurance—as is the Cooperative of American Physicians, Inc. (CAP).

Large facilities and physician groups in certain U.S. western states now can benefit from this unique risk purchasing group program. CAPAssurance is offered through CAP with the same type of coverage it has offered since 1975; it is underwritten by ProAssurance Group, rated A+ (Superior) by A.M. Best.

Whether you currently offer malpractice insurance or are interested in using a risk purchasing group format and ProAssurance’s resources, we can help. Leverage our tools, resources, and financial strength to help you create a strong program.

Visit CAPAssurance’s website to learn more

Lloyd’s of London Facility Solution

As a substantial capital provider to Lloyd’s of London Syndicate 1729, ProAssurance highly regards Dale Underwriting Partners’ underwriting ability for a wide array of property and casualty business.

Risks covered include large property risks and healthcare professional liability reinsurance, general liability, and workers’ compensation.

If you have reinsurance needs or a risk you’d like considered, please email Dale Underwriting Partners at

Visit Dale Underwriting Partners’ website to learn more

Agency-Owned Captives, Risk Purchasing Groups

Agencies may wish to start their own segregated portfolio company captive or risk purchasing group, and ProAssurance can help. An example of an agency-owned captive for which we assisted formation is that of the WMS Holdings Risk Purchasing Group (WMSH RPG), a subsidiary of the Wisconsin Medical Society’s for-profit arm. ProAssurance assists agencies not affiliated with a medical society, as well.

The Wisconsin Medical Society wanted to have more control over the insurance program it offered to its members. They were willing to take on some risk for the potential upside of sharing in good outcomes, and they are satisfied with their decision.

Ask ProAssurance to help you examine if there is potential benefit in starting a segregated portfolio company captive or starting a risk purchasing group.