Our Philosophy
30 years of UNWAVERING PROTECTION, COMMITMENT and EXCEPTIONAL SERVICE
Physicians take risks everyday - it is part of the job. At API, we understand these risks. We were founded by physicians to protect physicians. This core philosophy continues to permeate every aspect of our business today.
API believes that an insurance company should operate with trustworthiness and integrity, and that can only happen on a solid foundation. Our foundation is made up of 4 pillars: Genuine, Proactive, Relationship-Focused, and Responsible and API is all of these things.
Genuine
Through our DEDICATED EMPLOYEES AND PHYSICIAN ADVISORY BOARD, we provide a TRUSTWORTHY & SINCERE commitment to maximize the protection of our policyholders.
No one understands the unique challenges facing physicians better than API. We were the first physician-governed medical malpractice insurance carrier in Texas and the first company to write claims-made policies in the state. We're proud of our history and we've earned our solid reputation of fiercely protecting our policyholders.
Our Physician Advisory Board is involved in every aspect of our business. It is this collaborative effort between business people and physicians that allows us to provide the best insurance solutions to our policyholders. This physician-centric philosophy is further enhanced by our dedication to understanding your challenges, risks, and needs in order to do what's best for you.
"The prompt response to our questions and needs has been a determining factor in keeping my group from "premium shopping." There seems to be a personal interest in our potential problems and how to keep them from becoming certain problems. This is one of the few times that I can say that I have enjoyed my insurance experience."
Proactive
We are MORE THAN JUST PROTECTION; we deliver INNOVATIVE & PROACTIVE insurance solutions to give you a competitive business advantage.
Just like the medical profession, the malpractice insurance industry is constantly changing. We pride ourselves in being able to better analyze and forecast important industry trends and developments that will affect your practice. By staying close to the marketplace and being proactive, we're able to be a market leader in the design of products and services that are best suited to address your unique needs. Our vision, creativity and proactive thinking give our physicians a tangible business edge through smarter insurance solutions.
"As the Medical Director for a large group, I have welcomed the proactive approach of API to risk management services. In particular, we have appreciated the availability of online educational tools for our physicians using specialty specific clinical scenarios."
Relationship Focused
Our people are PERSONALLY COMMITTED TO A RELATIONSHIP FOCUSED approach that is highly RESPONSIVE & ATTUNED to our policyholders.
Our relationship-focused approach to insurance coverage means that our customer service is, quite simply, outstanding. We go out of our way to develop a relationship with each and every policyholder and allow them to get to know us as well. Our intimate level of service and care sets us apart.
"Capitol Anesthesiology Association has grown from 8 physicians in 1978, when the relationship with API was first established, to a team of over 70 physicians and 75 CRNAs. API has responded to that growth with improved products and services over the years. Our physicians demand great service and API delivers."
Responsible
For OVER 30 YEARS, WE HAVE DEMONSTRATED a high degree of RESPONSIBILITY & DEDICATION towards the ever changing demands of the medical malpractice industry.
We have been writing policies for over 30 years, demonstrating a high degree of responsibility and maneuverability through the peaks and valleys of the medical malpractice market. This is a direct result of our conservative business philosophy and consistent responsible decision making. Our team members have one of the longest and most impressive tenures in our business, with almost 20% being with us for over 15 years. This consistency gives us unmatched experience in risk analysis and underwriting, claims handling and insurance solutions - all dedicated to protecting you and your practice.
"When times were tough here in Texas, API stayed the course, unlike other carriers that left the market. Since we've signed with them during those turbulent times, they've handled everything from start to finish and made the process easy. They provide some of the best service I have ever encountered with medical malpractice insurance."