Alternative Risk Transfer Solutions

MMIC’s alternative risk transfer solutions clients include large health care systems, universities and teaching institutions, as well as large multispecialty physician groups.

The following solutions are available:


  • Coverage in excess of self-insured retentions and large deductibles
  • Full limits deductible policies
  • Customized and unique approaches for traditional insurance programs
  • Captive structures
  • Reinsurance
  • Fronting
  • Stand-alone reporting endorsements
  • Loss portfolio transfers

Unique Features and Options

Each program is unique and designed to meet the specific needs of the client.

Some of the features we offer:

  • Admitted paper
  • Customized policy wording
  • Separate limits per location and/or physician
  • Defense costs in addition to the limit
  • Worldwide coverage
  • Profit sharing
  • Quota share arrangements
  • Flexible security requirements
  • $21 million in capacity
  • Reinsurance treaty support with $40 billion in combined surplus