We are MIEC, an insurance company that provides medical professional liability insurance to physicians in Alaska, California, Hawaii and Idaho and to acupuncturists in California and Hawaii. We are owned and operated by our policyholders, which number over 7,000.

We were founded in 1975 by physicians during a time when commercial carriers withdrew from the market. Now, some 30 years later, we remain determined to provide our policyholders with low, responsible and stable premiums.

Our mission: Protect you

We are committed to protecting and defending our policyholders’ reputation and assets against malpractice suits. Almost 90% of claims against our member-physicians are resolved without indemnity payments.

Our philosophy: Reward you

We have zero profit motive, returning any sums that are not required to maintain our financial security to our member-policyholders via dividend / renewal credits. These dividends now exceed $364 million, which includes $22.5 million in dividends that have been distributed in 2013.

Our difference: Serve you

When you call, you will speak to a human being—not an electronic phone tree. Our claims staff is experienced and knowledgeable in medicine and law. Our underwriters and loss prevention staff will see that you get what you need without fuss or delay.