The power of insightIntroducing a revolutionary new tool that enables you to evaluate your liability risk and coverage in an intuitive visual simulation.

The only risk model of its kind, PRISM is transforming how healthcare providers determine their coverage needs.

  • Get a complete picture of your current coverage
  • See actual risks you face in an evolving industry
  • See the financial impact of coverage gaps
  • Determine how much exposure to absorb
  • Evaluate your premium and total cost of risk
  • Make the best decision about your coverage

Understand your universe of liability and the potential risks you face

Using our proprietary data plus industry-wide data encompassing over 500,000 healthcare liability claims, and taking your location, specialty, practice type and more into account, PRISM establishes your universe of liability. This universe is specific to you and includes all your anticipated potential losses – even those you may not be aware of. By providing you with an accurate representation of your risk, we’re empowering you to make the most informed decision about your insurance coverage needs.

We make it easy

With nearly four decades of data to work from, we're able to compile your coverage profile for you in an intuitive, at-a-glance overview.

See how well your current coverage protects you against risks

We model your range of loss – from the most optimistic outcomes to the most pessimistic scenarios. PRISM then shows you what happens when your current coverage meets your universe of potential risks. Our innovative loss visualization model – the only one of its kind it in the industry – lets you see exactly how your insurance policies work together to protect you from all the possible liabilities you face.

Evaluate all of your policies at once

By creating a visual representation of the policyholder surrounded by their policies, PRISM lets you see the scope of your current protection and where any gaps might be.

Understand your limits and deductibles

How far and wide does your coverage go? PRISM graphs it out for you, with the height and depth of the bar showing your policy limits.

Recognize your risk categories

PRISM conveniently organizes your risks and coverages into three categories – the practice, business and regulation of medicine.

Watch your policies in action

PRISM shows you all of your potential risks as they try to break through your protection, looking for vulnerabilities – where they succeed provides valuable insight.

Dive into the details of potential risks

Every risk shown is linked to a real claim. Click on them to reveal further details and uncover a valuable learning opportunity.

See the likelihood and financial impact of loss

Inputting a range of variables, including your premium and amounts within your deductible and beyond your aggregate limits, you're able to see and adjust your total potential financial impact from loss based on your coverage.

Optimize your protection to minimize your exposure

A complete understanding of the risks you face is vital to ensuring you are well protected. PRISM can help by showing where your coverage is inadequate, excessive or just right. It allows you to make adjustments on limits and deductibles, customizing the coverage to optimize protection and meet your specific needs.

Run multiple simulations

PRISM shows you how well your current protection works, then lets you adjust variables, like limits, to see the difference it makes. Keep adjusting to get precisely the coverage that works best for you.

Compare coverage options and your total cost of risk

At the end of the simulation, PRISM will present you with a side-by-side comparison of your current coverage and the recommended coverage, including loss potential, deductible, premium and total cost of risk. This comprehensive overview provides exactly the insight you need to make an informed decision.

What is total cost of risk?

Total cost of risk is your annual premium plus your retained losses (deductibles and uninsured losses) and any other risk-control costs.

iMac displaying side-by-side comparison tool

Real experts. Real data. Real results.

In our nearly four decades of protecting and defending physicians and healthcare organizations, we’ve amassed industry-leading expertise, an information-rich database of over 50,000 healthcare liability claims and, through the use of our in-house actuarial team and data scientists, the ability to predict precisely the coverage our policyholders need. With PRISM, we’re sharing that insight directly with you.

If you haven't run PRISM, how do you know you're buying the right coverage?