Frequently Asked Questions

How was CMLP created?

As a result of a malpractice crisis that remains problematic in many States, the Risk Retention Group CMLP was formed, which is a type of insurance company called a "captive". This company was created according to a statute passed by the Federal Legislature (the LRR Act) that allows physicians to form their own insurance company.

Who is eligible for medical malpractice insurance through Centurion Medical Liability Protective?

CMLP’s purpose remains the same today as it was when the company was founded . . . to provide a quality alternative to the current premiums offered by other medical malpractice companies, by offering affordable coverage to physicians living and practicing in the state of Texas, Florida, Arizona, and Michigan. Centurion Medical Liability Protective was established by physicians to protect and serve other physicians. Those physicians who meet CMLP's underwriting guidelines are eligible to be insured by the Company.

Is CMLP currently accepting new applications?

At present, CMLP is accepting new applications. We insure physicians who are practicing either as solo practioners or as part of a group. Group medical malpractice insurance policies, both for the individual physicians and the corporate entity are common products that are offered by CMLP. The risk retention group mechanism allows it's members, as owners of the captive, to exercise greater control over the underwriting function. As physician owners, the members of the underwriting committee have acute insight with respect to the risks associated with the industry. CMLP offers coverage to the entire array of medical and surgical physician specialties, both MD & DO, and also provides insurance for the healthcare professionals associated with these practices. An application with CMLP is not a guarantee of insurance.