EPIC: Emergency Physicians Insurance Company

As a reciprocal insurance exchange licensed under the federal Risk Retention Act, ownership of the company rests solely with its policyholders who are emergency medical groups and their emergency physician-members, partners, shareholders or employees. To be an owner of EPIC one must be an ER Group or emergency physician-policyholder. To be an EPIC policyholder one must be an ER group or emergency physician-owner.

	Aggressive claims management with peer review
	Use of selective underwriting criteria
	Return of excess premium to the policyholder/owners
	No stockholders to satisfy
	EPIC enjoys a blue chip reinsurance treaty and only retains the first $300,000 of each and every loss.