Physician-Owned Malpractice Insurance Designed for Healthcare Providers
A Smarter Alternative to Traditional Malpractice Coverage
Medical malpractice insurance is one of the fastest-growing expenses for healthcare providers. Yet, after years of paying premiums, most practices receive little more than coverage—no ownership, no financial return, and limited control over claims decisions.
CIVRA Insurance Solutions was created to change that.
Built by physicians for physicians, CIVRA offers a captive insurance solution that gives qualified healthcare organizations greater control, enhanced transparency, and the opportunity to create long-term value from their malpractice insurance program.
Why Choose CIVRA?
Greater Control
Participate more actively in claims management and defense strategy decisions instead of relying solely on traditional insurance carriers.
Long-Term Cost Stability
Reduce your dependence on unpredictable commercial insurance markets with a strategy focused on long-term sustainability.
Ownership Potential
Unlike traditional insurance, where premiums become a recurring expense, a captive model allows eligible participants to benefit from potential rebates, renewal credits, and profit-sharing opportunities based on performance.
Complete Transparency
Gain greater visibility into underwriting, claims performance, and overall program management.
Why CIVRA Was Created
CIVRA was founded by physicians who experienced the same frustrations many healthcare providers face today.
After years of purchasing malpractice insurance with rising premiums and little control, they asked a simple question:
"Why should we continue paying premiums without creating any long-term value for our own practices?"
That question led to the creation of a physician-owned captive insurance program designed to align the interests of healthcare providers with their insurance strategy.
Is CIVRA Right for Your Practice?
Our program may be an excellent fit for:
- Physician-owned urgent care groups
- Independent physicians
- Outpatient specialty practices
- Multi-location medical organizations
- Practices with strong claims histories and disciplined risk management
Our Simple Evaluation Process
Getting started is straightforward.
01
Share your current malpractice policy and loss history.
02
Our team reviews your coverage, premiums, and claims performance.
03
Receive a confidential assessment to determine whether a captive insurance solution could benefit your practice.
There is no obligation, and every review is handled with complete confidentiality.
The CIVRA Difference
| Traditional Insurance | CIVRA Captive Insurance |
|---|---|
| Premiums become an expense | Premiums may create long-term value |
| Limited claims involvement | Greater participation in claims management |
| No financial return | Potential rebates, renewal credits & profit-sharing |
| Limited transparency | Greater visibility and control |
Professional Support Every Step of the Way
Your program is backed by experienced professionals, including:
- Captive Management Experts
- Actuarial Consultants
- Claims Specialists
- Legal Advisors
- CPA & Tax Professionals
This experienced team helps ensure your program is managed with the highest standards of governance and compliance