Mutual Matters: Transforming Medical Liability Protection in 2025

MagMutual PolicyOwners:

In today’s medical professional liability environment, healthcare providers face increasing complexity from rising malpractice exposure to shifting regulatory demands and evolving patient expectations. In these circumstances, stability, guidance and long-term partnership matter more than ever. In 2025, MagMutual continued reinforcing its financial foundation and advancing how it defends, advises and supports PolicyOwners at every stage of risk.

Our annual reports play an important role in how we stay accountable to the healthcare providers and organizations we serve. They offer transparent views of financial performance, strategic direction and how we, as a mutual insurer, are investing to meet the changing needs of PolicyOwners. It’s a record of how we show up over time, through both consistency and progress.

A Strong Financial Foundation

Financial strength remains the backbone of effective medical professional liability insurance. In 2025, MagMutual maintained a disciplined approach to capital management and long-term financial stewardship, ensuring reliability and flexibility in a dynamic risk environment. We look forward to sharing more on our financial performance once the numbers are final.

Beyond overall performance, MagMutual sustained its longstanding commitment to returning value directly to PolicyOwners. In 2025, the company declared dividends for the 18^th consecutive year—and the 26^th year overall—reinforcing the value of our mutual structure.

These outcomes are further supported by external recognition of our financial position and market leadership.

This recognition reflects MagMutual's ability to navigate market volatility while remaining focused on long-term protection and partnership.

Reimagining PolicyOwner Support

While financial performance provides a solid foundation, MagMutual’s 2025 progress extended well beyond balance sheets. Over the past year, we refined how you are supported before, during and beyond potential risk.

Elevating Defense Through MyDefense

MyDefense represents a shift in how MagMutual approaches medical professional liability defense. Built around a seven-discipline model, MyDefense surrounds PolicyOwners with coordinated expertise from the moment a claim is reported—bringing together legal defense, strategic insight and targeted support to address today’s malpractice environment.

Advancing Proactive Risk Guidance with MyAdvice

In tandem with enhanced defense capabilities, we introduced MyAdvice, a personalized data-driven risk management experience designed to help you make informed decisions before risk escalates. MyAdvice uses insights from claims data and industry trends to deliver specialty-specific guidance via the Advice Hub and Risk Mitigation Reports to support safer practices and improved outcomes.

Expanding Learning and Resources

Education remains a critical component of comprehensive risk management. In 2025, we focused on enhancing the Learning Center to make educational resources easier to access, navigate and manage. PolicyOwners now benefit from over 300 courses, streamlined CME tracking, personalized content recommendations and state-specific regulatory information, available 24/7.

Meeting Complex Risk Needs Through Capital Solutions

As healthcare organizations grow in size and complexity, their risk financing needs often extend beyond traditional coverage models. To address this, we expanded Capital Solutions by creating a specialized team for organizations with sophisticated risk profiles and changing exposures.

Enhancing Access and Responsiveness with Service360

Supporting PolicyOwners also means making it easier to get timely answers and assistance. Through Service360, PolicyOwners have access to personalized expert support for coverage questions, billing, payments and risk management needs, complemented by 24/7 access to the portal.

Looking Ahead

As a mutual company, our approach remains anchored in a simple principle: investments should directly benefit you, our PolicyOwners. The progress reflected in 2025 underscores an ongoing emphasis on defense capabilities, expanding risk guidance and investing in services that adapt to the realities of modern healthcare practice.

Looking ahead, we will build on these advancements to support a long-term vision focused on stability, innovation and partnership.

In the coming weeks, we’ll share the 2025 Annual Report for a comprehensive view of this year’s accomplishments, financial performance and strategic direction in advancing medical professional liability insurance. We appreciate your patience and hope you stay tuned in to learn more about how your company is doing.

Sincerely,
Bill Kanich, MD, JD

April 2026