Physicians Professional Indemnity Association (PPIA) is a mutual insurance company created by Missouri physicians solely for the benefit of Missouri physicians.  There are no stockholders expecting dividends that would increase premiums.  Our only aim is to protect physicians the way they want to be protected- with worry-free coverage and the lowest rates possible.

Compare us with other malpractice insurance companies, and here’s what you’ll find:

SAVINGS.  PPIA’s rates are comparatively low, while still maintaining the financial strength needed to protect our members from liability and assessments.

FINANCIAL STABILITY. PPIA is the only “383” medical professional liability carrier that has achieved a positive surplus each and every quarter since it was formed.

NO SURPRISES. PPIA has never assessed its members extra fees – a provision that companies may use to cover unexpected losses.  Plus, there’s no fine print that makes you liable for assessments even after you are no longer a member.  We have taken steps to avoid the need for assessments by setting actuarially sound rates and by reinsuring claims through Lloyds of London and PIPCO-SPC.

AGGRESSIVE DEFENSE. PPIA has the most experienced team of attorneys strategically located throughout Missouri to provide aggressive defense to protect our members against loss of personal assets and professional reputation.

FLEXIBLE PROVISIONS. There is no one-size-fits-all policy.  PPIA has flexible payment methods, a variety of discounts, and free extended reporting that suit your particular needs.

LESS HASSLE. Policies are automatically renewed each you without need for repetitive paperwork.

PHYSICIAN-DRIVEN. PPIA was formed by Missouri physicians to serve Missouri physicians- not to profit  from them.  Our 12-member Board of Directors includes 9 physicians from throughout Missouri, who make decisions in the best interest of our members.