About CRICO

Protect Providers. Promote Safety.

Leaders from CRICO’s community share the unique benefits of the CRICO program, demonstrating how we help our subscribers deliver the safest health care in the world.

Mission and Service Offerings

For more than 50 years, CRICO’s mission has been to protect providers and promote safety.

As a captive insurer owned by and serving Harvard-affiliated institutions, CRICO provides medical professional liability (MPL), general liability (GL), international MPL, and an optional employment practices liability (EPL) program to the Harvard medical community. CRICO’s 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.

CRICO has long served its insured providers and institutions with highly competitive liability insurance and superior claims management. Supported by nationally respected medical malpractice defense counsel and an experienced claims management team, CRICO is recognized as a trusted leader in medical professional liability protection and claims defense.

In parallel to defendant support and litigation activities, CRICO advances patient safety and risk management by integrating insurance, analytics, and clinical expertise to help reduce risk and improve care. Through initiatives such as ambulatory safety net systems, sexual misconduct liability risk mitigation programs, and actionable data-driven insights, CRICO works to create safer environments for both patients and providers.

Together, these services enable CRICO to deliver trusted protection and enduring support to the Harvard medical community in an increasingly complex healthcare environment.

Controlled Risk Insurance Company (CRICO) Corporate Structure

CRICO refers to the following group of companies (and their respective divisions) serving the Harvard medical institutions and their affiliates.

CRICO

A Reciprocal Risk Retention Group or “CRICO Reciprocal”

Established in 2023 in Vermont as a result of a reorganization of Controlled Risk Insurance Company, Ltd.; CRICO Reciprocal was formed to provide its Harvard Medical School affiliated subscribers with insurance for their medical professional liability, general liability, and other liability exposures. In addition, CRICO Reciprocal will reinsure all of CRICO VT’s policies for policy years prior to 2024.

More About the Reciprocal

Controlled Risk Insurance Company of Vermont, Inc.

A Risk Retention Group or “CRICO VT”

Established in 1995 in Vermont and solely owned by RMF (defined below), entered runoff status as of January 1, 2024, and will no longer issue new insurance policies, but continues the processing and settlement of claims under the medical professional liability, general liability, and other liability policies issued before the 2024 policy year.

The Risk Management Foundation of the Harvard Medical Institutions Incorporated

“RMF”

Established in 1979 as a Massachusetts Chapter 180 non-profit corporation, applies a data-driven approach to claims management and patient safety on behalf of its members, who are also CRICO Reciprocal’s subscribers. In addition, RMF manages the day-to-day operations of CRICO Reciprocal as its attorney-in-fact and CRICO VT as a service provider.

Academic Medical Center Patient Safety Organization

“AMC PSO”

Established as a division of RMF, is a federally-listed component Patient Safety Organization that performs patient safety activities as defined under federal law. As part of such activities, AMC PSO serves as a national convener of clinicians and health care organizations to promote patient safety by focusing on specific quality and safety initiatives. The AMC PSO represents and serves RMF’s members, as well as other organizations across the nation.

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Candello

Established as a division of RMF, leverages national partnerships to pool malpractice data and expertise from professional liability insurers across the country. Combining data from CRICO’s subscribers and Candello’s national clients, the Candello data collective represents one-third of all open and closed U.S. MPL cases. An active online community facilitates peer discussion and fosters shared learning, while web-based software tools employ Candello’s coding taxonomy to connect the dots from medical error to patient safety interventions. Leveraging people and data you trust, Candello helps transform patient risk into opportunity.

Visit Candello

Mission and Service Offerings

Controlled Risk Insurance Company (CRICO) Corporate Structure

About CRICO

CME Opportunities

Patient Safety & Claims