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COPIC Plans Kansas Launch

COPIC Insurance is seeking approval to introduce a medical professional liability program in Kansas for physicians, surgeons and advanced practice providers.

The claims-made program includes a proposed mature base rate of $8,569 for coverage with limits of $500,000 per claim and $1.5 million in the aggregate. Rates will vary by specialty, coverage limits and individual risk characteristics, with discounts available for factors including part-time practice, loss-free experience and deductibles.

The offering also includes options for excess liability, administrative medicine, moonlighting, compounded medications, cyber and breach-response coverage, and extended reporting periods.

COPIC submitted the filing on September 3 and is requesting an October 1, 2026, launch.

Founded in 1981, COPIC is a physician-led medical professional liability insurer based in Denver. The company primarily serves the Rocky Mountain and Plains regions but can write more broadly through its risk retention group. In 2025, COPIC was the largest MPL insurer in Colorado, Iowa, Nebraska, North Dakota and South Dakota; the second-largest in Minnesota, Oklahoma and Wyoming; and the third-largest in Montana and Utah—placing it among the top three in 10 of its 13 core states. The Kansas filing introduces a new admitted MPL program for physicians, surgeons and advanced practice providers. COPIC insured 29,662 physicians in 2025, up 7.9%, though its underwriting business remained slightly unprofitable before investment income.

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