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Low rates for low-risk practices. That's Optimal.

Did you receive a unique offer code from us?
You're a few short steps away from claiming your introductory rate through the service team at IAO, Inc.
Discount codes are unique to the individual addressed in the mailing and are not transferrable

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Contact
Call IAO, Inc. at 844-331-6298 or fill out the form below.
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Verify
It's a seven digit alphanumeric code found on the offer we sent you.
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Confirm
Confirm you've had no medical malpractice verdicts or settlements and no open claims.

Optimal’s premium discount structure

An agent from IAO, Inc. will work with you to verify your claims history and eligibility for the program.
You can expect to get a firm, bindable quote in just minutes. Call IAO, Inc. at 844-331-6298 or fill out the form below.

70%
year one discount*
50%
year two discount
35%
discount year three+
Coverage limits of  
$1,000,000 per incident and  
$3,000,000 aggregate per year

*Qualifying applicants earn an introductory discount of 70% off the undiscounted rate filed in their state. For example, the current mature claims-made rate at $1,000,000/$3,000,000 limits for a non-surgical family practice physician or pediatrician in North Carolina is $9,994 resulting in a premium of $2,998.

Reserve Your Offer!

Claim your 70% discount offer now OR reserve it for later. For those ready now, call IAO, Inc. at 844-331-6298 or complete this form and we'll contact you right away. If you'd rather act closer to your current policy expirations date, using this form to set a reminder locks in this offer.

Optimal Practice Insurance

IAO, Inc. places coverage with a carrier that is part of a top medical professional liability insurance group with over 45 years in the industry with experience providing coverage for healthcare professionals nationwide. The group maintains a strong financial position to ensure their ability to meet their financial obligations for their insureds.

Throughout the life of your policy, you will have access to risk management expertise via an extensive library of tools and resources accessible 24/7. Risk management and claims professionals are available to discuss your practice needs during regular business hours. More information will be provided when you receive your policy documents.

Frequently Asked Questions

About the IAO, Inc. Insurance Agency

The agents at IAO, Inc. specialize in malpractice insurance coverage placements, and IAO, Inc. is the exclusive agency able to access Optimal. The agency can provide business owners and professionals insurance solutions for protecting their business assets, management liability, workers’ compensation, cyber and regulatory risks, professional and personal coverages.

Optimal Practice Insurance offered through IAO, Inc. focuses exclusively on medical professional liability placements.
About Optimal's Insurance Carrier

IAO, Inc. places coverage with a Risk Retention Group (RRG) that is part of a top five medical liability insurance group in the United States. In the event of a malpractice allegation, your claims will be managed in-house and not sent off to a third party administrator. You will have consent-to-settle privileges during the life of your case, where available by law.

Your agent can discuss the policy terms, services, and payment options.
What medical specialties does optimal cover?

Optimal is available to non-surgical family medicine and pediatric practices at this time in select states. 
How do I get a quote from Optimal?

Those eligible for the Optimal discount rating program receive a direct mail offer with a unique seven-character offer code.

If you are interested in a quote, contact IAO, Inc. at 844-331-6298 or email apply@myoptimalpractice.com. A representative will ask you to verify the offer code on your mailing and confirm your malpractice claims status. Once those steps are complete you will be able to reserve your 70% discounted introductory rate.
How do I report an incident or a claim?

If you experience an event that you are concerned may lead to a claim—or you receive notice of a claim—during your policy period, the Optimal team is here to help. You will receive contact information for the claims team with your insurance carrier as part of your policy documents. If you are unable to find this information, contact your representative at IAO, Inc. and they will assist you.
What types of risk management services are available?

All Optimal insureds will receive access to  comprehensive risk management services from our carrier partner including:

  • A risk management consultant helpline for calls or emails during regular business hours
  • Complimentary access to a library of CME-bearing education materials
  • A library of risk management publications and related resources such as closed claims cases, sample forms, articles, and more
What is the discount after the third year? Customers who continue to remain eligible for the program keep their third year discount of 35% in year four and all subsequent years. 
If I switch, do I have to buy tail coverage from my current carrier? No. You can, but you don't have to. The Optimal program offers 'prior acts' coverage back to the retroactive date of your current policy. While you do need to report any incidents about which a claim may arise to your current carrier, you do not need to purchase tail coverage when you switch.
Example

Colorado

Family Physicians
Pediatricians
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Cost Savings To You With Optimal
Pay elsewhere
$11,101
/yr
$8,836
/yr
SAVINGS
$7,771
/yr
$6,185
/yr
YOUR RATE
$3,330
/yr
$2,651
/yr

Pediatricians

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Savings With Optimal
Pay elsewhere
SAVINGS
YOUR RATE
Arizona
$12,847
$8,993
$3,854
Colorado
$8,836
$6,185
$2,651
North Carolina
$9,994
$6,996
$2,998
Tennessee
$10,405
$7,284
$3,121

Family Physicians

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Savings With Optimal
Pay elsewhere
SAVINGS
YOUR RATE
Arizona
$12,847
$8,993
$3,854
Colorado
$8,836
$6,185
$2,651
North Carolina
$9,994
$6,996
$2,998
Tennessee
$10,405
$7,284
$3,121

Family Physicians

Family Physicians
Pediatricians
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Optimal Breakdown
Pay elsewhere
SAVINGS
YOUR RATE
Arizona
$12,847
$8,993
$3,854
Colorado
$8,836
$6,185
$2,651
North Carolina
$9,994
$6,996
$2,998
Tennessee
$10,405
$7,284
$3,121

This program is powered by human intelligence (h.i.)

Humans on our data science team crunched the numbers to determine you and your practice are the optimal insureds for this program.

Our team didn't need artificial intelligence (a.i.) to see you'll be a great addition to this risk pool.

The factors we look at are:

  • You - your experience, education, training, accolades, history, and qualifications.
  • Your Practice - the types of procedures you perform (and don't perform), the prescriptions you write, and the characteristics of your patient base.
  • Your Environment - the medico-legal environment in the state and local jurisdictions where you practice, your community's overall attitude towards litigation, and the general trends for medical liability.
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