Our Insurance COMPANIES

Diversus, Inc.

A New | Paradigm

Since our inception in 2002, Positive Physicians Insurance Exchange has made a lasting impression on the medical community by providing a highly focused approach to medical liability insurance and risk management.

As one of the only physician created, professionally managed insurance companies in the country, Positive Physicians Insurance Exchange offers a concierge focus on specialty practices. This affords the company the luxury of being true experts at risk management, arming clients with essential education and information to protect their practices, while mitigating risk and reducing rates.

This distinct concentration on affordable coverage coupled with an acute awareness of client needs has enabled Positive Physicians Insurance Exchange to design an intelligent business model that rewards its members with rate stability, claim predictability and on-going peace of mind. Peace of mind that has resulted in 95% client retention since our inception.

Today, Positive Physicians Insurance Exchange serves thousands of specialty practices and operates in New JerseyDelawareMarylandOhio, as well as Pennsylvania. The company has been assigned a Financial Stability Rating® of A’ (A Prime), Unsurpassed from Demotech, Inc and carries AM Best A+ rated reinsurance. This rating highlights the company’s ability to provide policyholders an exceptional level of physician-driven expertise and assures you of having a financially stable, dedicated partner with years of experience handling medical malpractice claims.

PPIX is an admitted carrier in PA, NJ, DE, OH, and MD

Professional Casualty Association (PCA) was formed in 2004 as a reciprocal insurance association for the purpose of insuring its subscribers against loss due to the imposition of legal liability as set forth in the Insurance Association Law of the Commonwealth of Pennsylvania. PCA provides medical professional liability insurance consisting of claims-made, tail occurrence and occurrence policies to its subscribers (“policyholders”). The Association is managed by Professional Third Party, LP (“PTP”) pursuant to the terms of an Attorney-in-Fact Agreement.

PCA is an admitted carrier in Pennsylvania and Michigan.

Physicians Insurance Program Exchange (PIPE) is a physician professional liability insurance company formed in 2005 and organized as a reciprocal exchange, licensed and admitted in the Commonwealth of Pennsylvania and South Carolina.

Founded by experts in the field of physician professional liability insurance coverage, they work with doctors, surgeons and allied health professionals practicing in Pennsylvania and South Carolina. Their panel of appointed attorneys have years of experience in medical malpractice defense and have proven success in terms of securing both favorable results for policyholders both inside and outside the courtroom. This is achieved through the judicious use of defense experts and the aggressive stance taken when faced with frivolous lawsuits.


Our vision is to provide Stability and Predictability to our Insureds and partners thereby allowing them to continue to delivering the highest quality medical care possible.

This is achieved by through our Integrated Risk Management Platform which provides supports within the physicians practice and maximizes early warning and intervention. By utilizing existing employees as Risk Coordinators we have the ability to intervene early on and in many cases prevent an untoward event from becoming a claim. We strongly believe that this model improves patient satisfaction and quality of care at no cost to the practice.