Here’s what our owner-policyholders are saying about us:

"I decided to go with HUOH because it was the only medical malpractice company in Ohio, licensed by the Ohio Department of Insurance, which was organized with a mutual company - policy holder model.  Since HUOH does not have outside stockholders and investors, physician policy holders have the opportunity to share in surplus funds."

"I also got involved with HUOH because I was impressed with the management team's extensive experience and commitment to work with doctors in Ohio to set up a first rate medical malpractice company."
- Dr. Gary Birnbaum, M.D.

“The doctor owned model has always made sense to me.  This time, however, I was a little slow to join.  Frankly, I have been around long enough to see a few ambitious companies start up and fail for a variety of reasons.  That is something I did not want to experience.  So, I took a ‘wait and see’ approach.

After a careful review of this team and the performance of the company, I was impressed.  When I saw that they were able to demonstrate a preferred claims history and lower rates over 12% while outperforming key industry ratios I knew they were on the right track.  This looks like the winning model to me."
- Dr. Linda Lear, M.D. 

“When I first heard that I would have to pay premium and capital to join an insurance company, I couldn’t understand why anyone would do that.  My agent was persistent in explaining the HUOH model.  He knew that I have been fed up with commercial carriers that had settled cases that no one should have paid for!  He felt HUOH was the right insurance company for me.  He was right.  I am excited to be a part of a company that has demonstrated the fact they will not tolerate nuisance claims.

I am also excited to know that I will be directly involved in any case that may come my way and that any extra premiums will stay with the insured doctors instead of being sent off to some investor.  The annual cost of participating turned out to be less than I expected."
- Dr. Jim Evans, M.D.

"Let’s face it, commercial companies are in place to make a profit.  No matter what they say about their defense, no matter how many doctors they add to their Board of Directors they owe their allegiance to their investors.  That affects the way they think when they set rates and when a claim comes in. 

Having our own company with a freely elected Board gives us control – control over the rate setting process, control over the distribution of any excess premiums, and control over the defense of our claims. 

Having our own company helps all Ohio doctors by keeping commercial carriers in line.  Now that they know Ohio doctors have a choice, they can’t continue to raise rates and reap ‘record setting’ profits.

I looked long and hard at all the options currently available.  When I looked beyond the rhetoric and the marketing materials, I found that HUOH is the only company that gives Ohio doctors true ownership and control and the only company of its kind that is so conservatively/securely managed that it is beating the benchmark industry ratios.

Now some of the commercial carriers are trying to attract Ohio doctors back by playing short term games with rates.  These are the same companies that treated us to skyrocketing premiums and easy cancellations.  I say, lets let the commercial companies know that we can’t be taken advantage of that easily again.  Let them know we are on to their games.  Join a growing number of us who have taken control of our malpractice futures."
M.D.