Controlled Risk Insurance Company

CRICO — the Controlled Risk Insurance Company — is a Boston-based captive insurance organization that provides medical professional liability (MPL) coverage and related risk-management services to the Harvard-affiliated medical community. According to its own materials, its mission is to "protect providers and promote safety," and it has pursued that mission for more than 50 years. As a captive insurer, CRICO is owned by and serves its subscriber institutions rather than operating as a conventional commercial carrier selling to the open market. The scope of the CRICO program is substantial. Its insurance program covers 32 hospitals, more than 325 healthcare organizations, approximately 18,000 physicians, 30,000 allied health professionals, and upwards of 130,000 other clinical and administrative employees. The core offering is medical professional liability insurance, supplemented by general liability (GL), international MPL, and an optional employment practices liability (EPL) program. Nurses and advanced practice providers employed by subscriber organizations are also covered under CRICO medical malpractice coverage. Beyond insurance, CRICO positions itself as a patient-safety and risk-management organization. It integrates insurance, analytics, and clinical expertise to help reduce risk and improve care. Notable initiatives include Ambulatory Safety Nets (ASNs) for colorectal, breast, lung, and prostate cancers as well as mental health issues, sexual misconduct liability risk-mitigation programs, and data-driven insights. Its Candello unit offers products and services intended to reduce medical error and malpractice exposure to clients beyond the immediate Harvard community. CRICO's claims operation works with risk-management representatives of covered institutions and with defense counsel to manage and defend malpractice claims. The organization also publishes clinical case studies based on actual medical professional liability claims, produces podcasts on malpractice cases and patient-safety challenges, and maintains an underwriting department that provides claim histories and loss runs for physicians and employees currently or formerly insured by CRICO. Its offices are located at 1325 Boylston Street in Boston, Massachusetts.

CRICO, the Controlled Risk Insurance Company, is a Boston-based captive insurance organization that has served the Harvard-affiliated medical community for more than 50 years, according to its own account. It was established as a captive insurer owned by and serving Harvard-affiliated institutions, a structure that distinguishes it from commercial carriers that sell medical professional liability coverage on the open market. Over its history, CRICO's role expanded from providing medical professional liability (MPL) insurance to encompassing a broader risk-management and patient-safety mission. Its insurance program grew to cover 32 hospitals, more than 325 healthcare organizations, approximately 18,000 physicians, 30,000 allied health professionals, and upwards of 130,000 other clinical and administrative employees. Alongside MPL coverage, CRICO added general liability (GL), international MPL, and an optional employment practices liability (EPL) program. CRICO also developed capabilities in claims management and defense, working with risk-management representatives of covered institutions and with defense counsel. It built a reputation as a trusted leader in medical professional liability protection and claims defense, supported by nationally respected medical malpractice defense counsel and an experienced claims management team. In parallel, CRICO advanced patient safety and risk management by integrating insurance, analytics, and clinical expertise. It funded a program to develop and spread Ambulatory Safety Nets (ASNs) for four cancers — colorectal, breast, lung, and prostate — as well as mental health issues, addressing gaps in communication that contribute to risk. It also pursued sexual misconduct liability risk-mitigation programs and actionable data-driven insights. Its Candello unit extends products and services that reduce medical error and malpractice exposure to clients, including those beyond the immediate Harvard community. CRICO's public-facing activities include publishing clinical case studies based on actual medical professional liability claims, producing podcasts that unpack malpractice cases and patient-safety challenges, and maintaining an underwriting department that provides claim histories and loss runs for physicians and employees currently or formerly insured by CRICO. Its offices are located at 1325 Boylston Street in Boston, Massachusetts.

• CRICO has served the Harvard-affiliated medical community for more than 50 years, per its own account.

• CRICO's insurance program grew to cover 32 hospitals, more than 325 healthcare organizations, approximately 18,000 physicians, 30,000 allied health professionals, and upwards of 130,000 other clinical and administrative employees.

• CRICO funded a program to develop and spread Ambulatory Safety Nets (ASNs) for colorectal, breast, lung, and prostate cancers as well as mental health issues.

A captive insurer and patient-safety partner for the Harvard-affiliated medical community, recognized as a trusted leader in medical professional liability protection and claims defense.

• Medical professional liability (MPL) insurance

  Core coverage for the Harvard medical community, including physicians, allied health professionals, and clinical and administrative employees.

• General liability (GL) insurance

  General liability coverage offered as part of the CRICO program.

• International medical professional liability insurance

  International MPL coverage for the Harvard medical community.

• Employment practices liability (EPL) program

  An optional employment practices liability program.

• Candello products and services

  Products and services that reduce medical error and malpractice exposure for clients.

• Ambulatory Safety Nets (ASNs)

  Programs built to mitigate problems caused by gaps in communication, covering four cancers and mental health issues.

1. 1CRICO Medical Professional Liability & Patient Safetyrmf.harvard.edu
2. 2Claims History Wizardrmf.harvard.edu
3. 3About CRICOrmf.harvard.edu
4. 4Our Teamrmf.harvard.edu
5. 5Controlled Risk Insurance Company (United States) - Wikidatawikidata.org