Approach to Claims

When you are faced with a claim or lawsuit, a team approach is best for a strong defense. ISMIE relies on the resources of our professional liability analysts, experienced defense attorneys, and you, our policyholder. This unified approach consistently achieves the best possible outcome.

ISMIE Mutual Insurance Company was established in 1976 to give physicians the freedom to practice medicine without the fear and constraints of medical liability litigation. Physicians entered the medical profession to provide the best patient care possible, not to concentrate on legal matters. ISMIE was founded on the belief that the best way to discourage unfounded liability claims is through vigorous and uncompromising defense along with a team approach. ISMIE will not settle a frivolous claim or lawsuit simply to avoid the costs of litigation.

Team Approach

When faced with a claim or lawsuit, a team approach is best for an aggressive defense. ISMIE calls upon the expertise of our professional liability analysts, experienced defense attorneys, in conjunction with you, our policyholder. Together this unified approach consistently achieves the best possible outcome.

ISMIE Professional Liability Analyst

Your ISMIE analyst will explain the process, gather information to provide a thorough investigation and coordinate your case. Every ISMIE professional liability analyst possesses a high level of knowledge in investigating and handling medical liability claims. Our analysts consistently update their knowledge in the areas of law and medicine. Your analyst will make contact with you within one business day of notification of your claim and continually update throughout the litigation process.

Defense Attorney Representation

ISMIE will work with you to determine the best defense attorney for your specific case. If you wish to be represented by a specific “approved” attorney, we make every attempt to honor that request. We understand that litigation is very personal, and our aim is to make you as comfortable and confident in your defense as possible. Our experienced panel of defense attorneys has been selected for their expertise in defending medical liability litigation.

Aggressive Defense

ISMIE Mutual has built a reputation as an innovator in professional liability coverage. Our unparalleled service philosophy underscores a team-based approach to the defense of claims, giving policyholders confidence and comfort with every step of the process. ISMIE Mutual's pledge to policyholders is to present a strategic, vigorous defense for every claim and lawsuit.

Witness Improvement

We realize that you may have never experienced a trial before and may be uncertain how to make the best appearance on the witness stand. ISMIE strives to ensure that policyholders have the best possible chance at winning their trial. As part of this, we have retained a group of communication specialists to assist when needed. They are available to work with our policyholders to help them make the best presentation possible.

Supplemental Benefits

ISMIE makes a difference during the litigation process, when it matters most to our policyholders, by supplementing your liability coverage with resources to give you peace of mind.

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Cyber Liability Coverage

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Claims Monitoring Surveys

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Defendant Reimbursement Coverage

Active participation is essential to an aggressive, successful defense. Although it may be frustrating, difficult and time-consuming, your defense team is strongest with you as a team member.

Your attendance at depositions and trial is a crucial part of a successful defense, but we realize that it comes with expenses. That is why we offer this policy feature, which provides you with $500 per day for expenses incurred due to your attendance at depositions (other than your own) and trials, up to $7,500 per policy year.

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