Your book already carries clinical AI risk. You don't have to build the expertise to price it.
Idem is the clinical AI specialist for medical professional liability. We assess the AI your insureds run, and we build coverage on that assessment with carriers that want the exposure priced instead of silent.
Your actuaries price clinician losses, not model behavior.
Brokers report AI questions showing up on MPL applications and renewals, yet few policies say how AI-related decisions fit into malpractice coverage. A questionnaire can ask whether a hospital uses AI. It can't tell you which tools are live, which version is running, or how they perform on that hospital's patients.
That gap sits where losses already concentrate. Diagnostic error drove 27% of malpractice events closed from 2020 to 2024, and diagnosis-adjacent work is where physician AI use is growing. The MPL composite combined ratio reached 108.6% in 2025, the ninth straight year of underwriting losses.
In cyber, carriers backed specialists instead of building them.
Allianz invested in Coalition and gave it long-term capacity. Munich Re backed At-Bay, then agreed to buy it. Travelers bought Corvus. Each carrier got an assessment engine it did not have to build, and each specialist got the capital and paper to grow. Clinical AI calls for the same arrangement.
Four ways to start.
Affirmative clinical AI coverage priced on the Idem tier, on your paper or with our underwriting partners, for insureds that pass validation. Built for hallucinations, wrong or missing outputs, model drift after vendor updates, and uneven performance across patient groups.
A premium credit or AI endorsement on existing MPL policies for insureds that pass. Idem runs the validation; you set the terms.
Which clinical AI tools your insureds run, by vendor, model, and workflow. The first view of AI concentration across your book.
AI questions and a scoring rubric built for your renewal cycle, ready before a full program.
You keep underwriting authority on your paper, our fees are flat, and de-identified findings are pooled so every validation adds to the loss data the line needs.
Chief underwriting officers, chief risk officers, actuaries, claims leaders, and product leads at MPL carriers, physician-owned mutuals, and risk retention groups writing hospitals, health systems, and physician groups.
Read the evidence.
Then let's talk.
The June 2026 white paper documents what EHR-native AI features are doing in the medical record and what your organization is on the hook for.