“Is my coverage aligned with how I practice?”
Policies can look complete on paper and still leave gaps. We help you identify blind spots before they become problems.
Physician-first medical malpractice brokerage
Primum non nocere
First, do no harm
Coverage guidance that puts the physician first.
PrimumMD is an independent brokerage helping physicians understand, compare, and secure medical professional liability coverage — through careful conversation, not product pressure.
Independent — recommendations built around your practice
Clear counsel — plain language, not jargon overload
Human judgment — on every file before advice is presented
How we show up
Trust is the product before the policy.
Three principles that shape every conversation at PrimumMD.
Your practice first
Options framed around your specialty, setting, and risk — not a product quota.
Clarity over jargon
You leave understanding what you have, what you need, and why it matters.
Deliberate standards
Appointments, process, and physician trust before noise. We grow only when it improves options for the practices we serve.
The weight you carry
Your concerns are valid. They are also solvable.
Most physicians do not lose sleep over “insurance.” They lose sleep over what happens if something goes wrong — and whether the protection they have will actually hold.
“What if my practice changes?”
Role changes, added locations, and group transitions create coverage questions. We walk through them so tail, prior acts, and exposure are not afterthoughts.
“Am I comparing — or renewing on autopilot?”
Autopilot renewals are common. A deliberate review can surface better fit, clearer terms, or confirmation that staying put is the right call.
How we work
A clear process. Human judgment at every gate.
No black box. You always know where you are and what happens next.
1
Start a conversation
Specialty, state, and timeline — enough to respond intelligently.
2
Practice profile
We learn how you practice — not just what you want to buy.
3
Coverage review
Current policy analysis when available; questions that matter.
4
Options & your decision
Plain-language options. You choose timing. We support placement when ready.
Coverage focus
Medical professional liability — approached with care.
Our focus is medical malpractice coverage for physicians and small practices. We evaluate the details that protect a career: limits, form, exclusions, tail, and fit for how you practice today.
Explore our coverage approachWhat a thoughtful review looks at
- Limits and how they relate to your specialty and setting
- Claims-made vs. occurrence considerations where relevant
- Tail and prior-acts questions on transitions
- Exclusions, consent-to-settle, and risk-management credits
- Whether a change helps you — or whether staying put is wiser
Markets
Multi-carrier evaluation. Named only when real.
We provide multi-carrier med-mal evaluation with access to leading MPL markets — including claims-made vs. occurrence analysis across admitted carriers. Specific carrier names appear on this site only when appointments are fully executed.
View our carrier approachHow we work markets
Fit over logo walls
We compare options around your specialty, geography, and risk profile — and we will say when staying with a current program is the wiser path.
Standards over spectacle.
PrimumMD is an independent brokerage built for physicians who want careful guidance and durable protection. Fewer theatrics. More attention to the details that matter when risk becomes real.
Next step
Ready for a clear conversation about your coverage?
No pressure. No obligation. Tell us about your practice and we will respond personally.