Modern two-story house with a pool
Directory · Washington · Medical malpractice

Who writes medical malpractice in Washington

The 51 largest writers by premium in 2025 from the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington market report (a top-51 list, shares of earned premium).

The 51 largest writers of medical malpractice in Washington in 2025: Physicians Insurance A Mutual Company (C) led with 32.5% of the state's premium; the top five hold 67%.

By Sam Alishahi, independent insurance broker · All lines in Washington

Top 10 · NAIC table: 11.1, 11.2 - Medical Professional Liability

The insurer groups that write the most medical malpractice in Washington

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1Physicians Insurance A Mutual Group$76.9M29.65%63%Physicians Insurance A Mutual Company (C), Physicians Insurance Risk Retention Group, Inc.
2Berkshire Hathaway Group$43.5M16.77%53%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
3Cna Insurance Group$15.8M6.11%28%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
4Doctors Co. Group$15.3M5.89%54%Doctors' Company (The), An Interinsurance Exchange, The Doctor's Management, TDC Specialty Insurance Company, TDC National Assurance Company, Doctors Company Risk Retention Group, A Reciprocal Exchange, The
5Liberty Mutual Group$14.4M5.54%78%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
6Coverys Group$9.7M3.73%16%Preferred Professional Insurance Company, ProSelect Insurance Company, Coverys Specialty Insurance Company, Coverys Risk Retention Group, Inc.
7Wr Berkley Corporation Group$6.6M2.55%37%Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
8ORCA RRG Inc$6.1M2.37%79%—
9Texas Medical Liab Trust Group$5.5M2.12%94%Texas Medical Insurance Company, Lone Star Alliance, Inc., a Risk Retention Group, Physicians Insurance Company
10Mag Mutual Insurance Group$4.7M1.81%44%MAG Mutual Insurance Company, Professional Security Insurance Company, MD Advantage Insurance Company of New Jersey
Medical malpractice · Washington

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Physicians Insurance A Mutual Company (C)40738WAAdmitted (licensed)$53.2M32.53%
2Physicians Insurance Risk Retention Group, Inc.15738VTAdmitted (licensed)$23.7M14.53%
3Doctors' Company (The), An Interinsurance Exchange, The Doctor's Management34495CAAdmitted (licensed)$14.2M8.67%
4Medical Protective Company (The)11843INAdmitted (licensed)$11.4M6.97%
5American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$7.0M4.27%
6ORCA RRG Inc17368MTAdmitted (licensed)$6.1M3.75%
7Lone Star Alliance, Inc., a Risk Retention Group15211DCAdmitted (licensed)$5.5M3.37%
8MAG Mutual Insurance Company42617GAAdmitted (licensed)$4.4M2.71%
9Dentists Insurance Company (The)40975CAAdmitted (licensed)$3.4M2.08%
10ProSelect Insurance Company10638NEAdmitted (licensed)$3.3M2.01%
11OMS National Insurance Company44121ILAdmitted (licensed)$2.6M1.59%
12Applied Medico-Legal Solutions Risk Retention Group, Inc.11598AZAdmitted (licensed)$2.4M1.49%
13Ophthalmic Mutual Insurance Company (A Risk Retention Group)44105VTAdmitted (licensed)$2.0M1.25%
14NCMIC Insurance Company15865IAAdmitted (licensed)$2.0M1.20%
15Health Care Industry Liability Reciprocal Insurance Company, A Risk Retention Group11832DCAdmitted (licensed)$1.7M1.05%
16UMIA Insurance, Inc.36676UTAdmitted (licensed)$1.6M1.00%
17Risk Underwriters Group, LLC, a Risk Retention Group17635VTAdmitted (licensed)$1.6M0.96%
18Liberty Insurance Underwriters, Inc.19917ILAdmitted (licensed)$1.5M0.94%
19ProAssurance Insurance Company of America14460ILAdmitted (licensed)$1.4M0.84%
20The Mutual Risk Retention Group, Inc.26257HIAdmitted (licensed)$1.4M0.83%
21Caring Communities, a Reciprocal Risk Retention Group12373DCAdmitted (licensed)$1.3M0.77%
22Ace American Insurance Company22667PAAdmitted (licensed)$1.2M0.76%
23National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$1.1M0.70%
24Aspen American Insurance Company43460TXAdmitted (licensed)$1.1M0.68%
25NCMIC Risk Retention Group, Inc.14130VTAdmitted (licensed)$1.1M0.68%
26Allied Professionals Insurance Company, A Risk Retention Group, Inc.11710AZAdmitted (licensed)$835,0000.51%
27Health Providers Insurance Reciprocal, a Risk Retention Group10080HIAdmitted (licensed)$816,0000.50%
28Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$659,0000.40%
29Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$514,0000.31%
30Great Divide Insurance Company25224NDAdmitted (licensed)$473,0000.29%
31Fair American Insurance and Reinsurance Company35157NYAdmitted (licensed)$453,0000.28%
32Allied World Assurance Company (U.S.) Inc.22730NHAdmitted (licensed)$419,0000.26%
33Preferred Physicians Medical Risk Retention Group, a Mutual Insurance Company44083MOAdmitted (licensed)$396,0000.24%
34Emergency Medicine Professional Assurance Company Risk Retention Group12003NVAdmitted (licensed)$380,0000.23%
35NORCAL Insurance Company33200CAAdmitted (licensed)$293,0000.18%
36COPIC, a Risk Retention Group14906DCAdmitted (licensed)$292,0000.18%
37National Guardian Risk Retention Group, Inc.36072HIAdmitted (licensed)$276,0000.17%
38American Association of Orthodontists Insurance Company (a RRG)10232AZAdmitted (licensed)$238,0000.15%
39Fortress Assurance Corporation10801ILAdmitted (licensed)$200,0000.12%
40MMIC Risk Retention Group, Inc.14062DCAdmitted (licensed)$188,0000.12%
41Professional Solutions Insurance Company11127IAAdmitted (licensed)$173,0000.11%
42Affiliates Insurance Reciprocal, a Risk Retention Group13677VTAdmitted (licensed)$148,0000.09%
43California Healthcare Insurance Company, a Risk Retention Group44504HIAdmitted (licensed)$121,0000.07%
44American Home Assurance Company19380NYAdmitted (licensed)$87,0000.05%
45Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$58,0000.04%
46Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$49,0000.03%
47Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$47,0000.03%
48State Farm Fire and Casualty Company25143ILAdmitted (licensed)$29,0000.02%
49ProAssurance Indemnity Company, Inc.33391ALAdmitted (licensed)$9,0000.01%
50Academic Medical Professionals Insurance RRG, LLC12934VTAdmitted (licensed)$4,0000.00%
51CAMPMED CASUALTY \u0026 INDEMNITY COMPANY, INC.12260NHAdmitted (licensed)$1,0000.00%
Turned down?

Last resort for medical malpractice in Washington

Last resortLinesWhereHow to get in
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington company list, read 2026-10-17 and the surplus lines list. Washington's authorized list comes from the OIC's 2025 market report (Appendix D), which leaves out authorized companies with no premium that year. Premiums are in thousands. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

Need medical malpractice in Washington?

Someone will insure it. I find who.

Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.