Medical Malpractice Insurance That Puts You First

MICA has focused exclusively on providing dependable medical malpractice insurance also known as medical professional liability insurance to independent physicians, advanced health care professionals, and group practices at rates that make sense.


Providing Superior Coverage Since 1976

As an independently owned, physician-founded and run medical malpractice insurance provider, we have focused on growing sustainably over the years, creating our irrefutable strength. Our mighty team delivers superior medical malpractice coverage and service to medical professionals allowing us to be the market leader in Arizona with steady growth in Utah, Colorado, and Nevada.

Why Physicians Choose MICA for Medical Malpractice Insurance

We’ll Be in Your Corner When You Need It

Darlene Jones - MICA Senior Customer Service Representative

Darlene Jones

Senior Customer Service Representative

Whether you have questions about your coverage or your bill, MICA’s Customer Service team is here to help. We bring a wealth of knowledge and experience in the medical professional liability industry. As a mutually owned company, we can assure you that meeting your needs is our top priority.

Senior Marketing Consultant - Mary Miltenberger

Mary Miltenberger

Senior Marketing Consultant

My affiliation with MICA goes back many years and as market conditions have changed, one philosophy remains the same: MICA’s commitment to always put the needs and best interests of our policy-owners first. You may have heard of MICA’s great customer service but when it’s consistent year after year, that’s rare!

 MICA's 2023 Annual Report

Growing into the Future Together

During the past year, MICA continued to focus on our core business and fulfilling our mission to benefit physicians and advanced health care professionals. MICA achieved solid operational results in 2023, underscoring its business strength and financial stability. Through the ever-changing landscape of health care and challenging litigation environment, our financial foundation inspires trust among members, employees, regulators, rating agencies, and our business partners. 

Financial Strength Over Time

Rated A (Excellent) by AM Best Company for More Than 35 years

$730 million in dividends issued to members since inception

Over $100 million in dividends returned in the last 5 years

One of the strongest balance sheets among other medical malpractice insurance companies 

$1.2 billion in assets and $800 million in statutory surplus

What Your Fellow Physicians Have To Say About MICA

I feel secure knowing that I am insured by a medical malpractice insurance carrier that understands what it’s like to practice medicine.

Miriam A., MD


What has impressed me most about MICA is its commitment to a long-term vision to protect and support independent physicians and physician groups. And I can say with confidence that MICA will never play games with its rates.

Jeffrey B., MD

Malpractice insurance can be a scary and confusing matter. With MICA, you can expect professionalism, diligence, expertise, and promptness.

Danielle B., DO

I have been insured by MICA since my residency. Throughout my career MICA and their underwriters have always been there for me, giving me personal advice and attention for my changing needs.

Bill T., MD