Mutual Matters: How OneModel™ Helps You See Risk and Coverage Clearly

MagMutual PolicyOwners:

As healthcare providers, we’re trained to pursue certainty in every decision that affects a patient’s well-being. But when it comes to protecting our own practices, the process is often anything but clear.

Buying liability insurance can feel like operating in the dark. You’re asked to choose limits and deductibles without fully understanding the risks you face or how your coverage stacks up against those risks. It’s technical, time-consuming and often leaves you wondering whether you’ve made the right decision about your protection, finances and future. When the stakes are this high, uncertainty is not an option.

At MagMutual, we’ve always believed our PolicyOwners deserve better. That’s why we built OneModel™: to give healthcare professionals the same clarity and confidence in their coverage that they strive for in their clinical decisions.

What is OneModel?

OneModel is a breakthrough risk visualization tool that brings transparency to insurance decisions. It shows your potential risks and gaps, current protection, and potential financial outcomes—all in one, intuitive view.

OneModel combines more than 500,000 real liability claims with details about your specific practice, including specialty, size, location and coverage, to build a personalized visual simulation of your risk environment.

You’ll see a visual of how your insurance coverage protects you. The center represents you, and the surrounding columns represent your coverage. Risks that are absorbed by those columns are covered. Risks that break through the columns reveal coverage gaps or deductibles you’re responsible for.

OneModel isn’t an abstract spreadsheet, a generic quote or a confusing policy document. It is personalized, interactive and grounded in real-world data. It’s the only tool of its kind in healthcare professional liability—tailored to fit the risks you actually face.

Why Clarity in Coverage Matters

If you haven’t seen your OneModel simulation, how do you really know you’re buying the right coverage?

Many insurance decisions are made based on speculation—what might happen, what peers are doing or what fits the budget. OneModel replaces guesswork with data, visuals and real-life examples. It helps you see:

• Actual risks you may face, based on your specialty, location and practice size
• How your current coverage performs, including deductibles and limits
• Where you may be over- or under-insured by identifying gaps or unnecessary cost
• Your total cost of risk, not just your premium
• How you compare to similar practices, with peer benchmarking
• Which coverage adjustments you can make to improve protection and value

With OneModel, you can make confident, informed decisions about your insurance and feel certain you’ve chosen coverage that fits.

How It Works

OneModel starts with the basics: your specialty, number of providers, location and existing coverage. It combines that with MagMutual’s extensive claims data to create a visual simulation of your unique risk environment and how your coverage performs.

It runs a full range of potential outcomes—from most optimistic scenarios to most severe, high-impact claims and shows you the likelihood of each. It brings visibility to your risk exposure by using historical data and actuarial modeling, so you’re not guessing—you’re seeing. 

OneModel also calculates your total cost of risk: the sum of your annual premium, retained losses (like deductibles and uncovered claims) and any additional risk-related costs your practice takes on. The cost of shielding your organization from risk is about more than premium. OneModel brings this into focus, helping you see how coverage choices and retained risk influence your overall financial picture. 

You can adjust limits and deductibles, re-run the simulation and instantly see the impact. A side-by-side view lets you compare your current protection with optimized options, making it easier to find the right balance of cost and coverage.

Here's how OneModel works—from inputs to simulation to actionable insights:

Why OneModel’s Insights Are More Critical Than Ever

With rising liability trends, the stakes are only getting higher. Malpractice lawsuits are resulting in more nuclear verdicts—exceptionally large jury awards, often exceeding $10 million—putting physicians and healthcare organizations at unprecedented financial risk.

Now more than ever, choosing the right insurance coverage isn’t just about managing costs. It’s about protecting your practice, your livelihood and your future. OneModel gives you the insight and confidence you need to make the smartest decision in a time of growing uncertainty.

Our Promise to You

At MagMutual, our mission has always been to protect and empower our PolicyOwners—not just with insurance, but with insight, partnership and the right resources at the right time.

OneModel reflects our promise in action. It gives our PolicyOwners an unmatched view into your risk and your protection, so you can make the smartest, most confident coverage decisions for your future.

Sincerely, 
Bill Kanich, MD, JD