We'd like to share a few Curi updates about products and services designed to simplify things for you and your clients.
Important Update
The medical professional liability industry faced a difficult year in 2025 driven by market shifts, legal developments, and claim costs above forecast. Across the industry, social and economic inflation continue to fuel larger verdicts, heavier litigation, and rising costs. As a result, Curi posted an unprofitable 2025 with an elevated combined ratio. While these pressures are not unique to Curi, we’re clear about what it means and what must change.
We are taking decisive and deliberate action. This includes sharper underwriting and limit discipline, targeted action on persistently unprofitable accounts, strategic rate adjustments aligned to risk, and a deliberate reduction of exposure in select states and classes to strengthen portfolio quality.
We remain financially strong, with over $2.5B in total assets and over $800M in capital and surplus, and are committed to providing insurance and peace of mind to healthcare providers well into the future, as we have done for the last 50+ years.
Meet your dedicated broker partnership team
Our new, consolidated service model is centered on you and is designed to address your unique needs effectively with one go-to expert. Your Curi rep can assist with new business opportunities, underwriting appetite, renewal processes, client onboarding, and more.
Each year, we conduct a review of our premium rates to ensure we best align with current market trends. Based on these and the events mentioned in the update above, here are a few specific rate updates and pending filings:
Georgia: Effective May 1, 2026, we filed an MPL rate increase for our Georgia medical practice members. The filed change included a 9.9% base rate increase statewide. Our overall rate targets for GA are 14.9%.
New Jersey: Effective January 1, 2026, we filed an MPL rate increase for our New Jersey medical practice members. This included an 8% base rate increase and the removal of the cap on the corporate entity charge up to 10%. Based on the updated details above, effective May 1, 2026, base rates will increase by up to 10%.
Pennsylvania: Effective October 1, 2025, we increased our MPL rates for our Pennsylvania medical practice members. The filed change included an 8% base rate increase. Based on the updated details above, effective May 1, 2026, base rates will increase by up to 13%.
Curi is financially strong and committed to providing insurance and peace of mind to healthcare providers well into the future, as we have done for the last 50 years. We will continue to focus on servicing those that matter most… our partners and shared clients.
Your Curi Broker Representative is ready to help answer questions.
As we are completing our annual records review at Curi, we're reaching out for your assistance with a quick but important task.
As you know, contacts often change within a practice, and we want to make sure we’re able to reach them with important information at the right email address.
To make things easier, we can accept a completed roster from your agency management system. Please ensure the corresponding Curi policy number is included with the contact record.
If you prefer, we can send you the contact details we have on file for your accounts so you can confirm or update information. Reach out to agentsupport@curi.com if you’d like your report.
Why having accurate data matters
Though it is our standard practice to share a preview of client communications with you in advance, there are times when we need to reach clients directly—and having current information makes all the difference.
We utilize this data to communicate:
• Regulatory-required notifications
• Quarterly risk management resources
• Annual meeting notices
More from Curi
Broker Website Experience
We heard you loud and clear. You wanted an easier way to access information and collaborate with our team. We listened and delivered!
Your new broker view is here!
You already know about the extensive benefits your clients enjoy as Curi Insurance members. But, we want to make sure you're getting the most out of our partnership, too! We've created a broker view on our website that puts everything you need right at your fingertips.
Ready to explore? Here's what's waiting for you:
You can use your existing curi.com login. If you do not have login access, reach out to agentsupport@curi.com. Once signed into curi.com, you'll land on the personalized Broker view with these useful sections:
Policy Management Portal – Easy-to-follow user guides and quick access links to manage policies efficiently.
Underwriting Applications & Forms – Download the forms you need instantly, including TLF designation forms and practice provider applications.
Agent News – Catch up on Curi updates, browse past e-newsletters, and update your contact info so you never miss an update.
Curi Marketing Material – Find the latest materials showcasing Curi products and services to share with your clients and help grow your business.
Broker of Record – Access request forms, guidelines, and letters all in one convenient spot.
New Business & Submission – Get details and tips on submissions and underwriting appetite.
Broker Partnership Team – Discover how this dedicated team is ready to support your success.
Broker FAQs – Got questions? We've got answers.
Member Benefits – Learn about valuable perks like The Legacy Fund and HR OnCall that make Curi stand out.
We’ve built this site resource area to save you time, keep you informed, and make partnering with us smoother than ever. We're excited for you to dive in!
Deepening Relationships with Dedicated Team Members
Meet Sean
Sean Farrelly, VP of Broker Partnership, leads a team of experts who handle everything from new business to renewals and client onboarding for our broker partners. He joined Curi in 2019. Before Curi, Sean served as the portfolio manager for US Medical Professional Liability reinsurance at PartnerRe, a global reinsurer. There, he also handled a diverse portfolio of casualty reinsurance business as a member of the broader US Casualty team. Prior to his time at PartnerRe, Sean held underwriting leadership roles at Odyssey Re, another leading global reinsurer. Sean graduated from Villanova University with a BS in Business Administration.
Meet Jim
Jim Kay, SVP of Client and Broker Partnership, has more than two decades of experience in the healthcare and insurance industry. Jim is responsible for managing Curi’s relationships with its member practices, physicians, and broker partners and for maintaining a robust suite of member benefits. Before joining Curi, Jim served as Vice President of Business Development for Titan Health Corporation, a surgery center development and management company. He earned his BA in Economics and History from Wake Forest University. Jim is currently a Corporate Trustee for the North Carolina Academy of Family Physicians Foundation and a board member of Alliance Medical Ministry.
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