as the one of the only physician created, professionally managed insurance companies in the country, positive physicians offers a concierge focus on specialty practices. this affords the company the luxury of being true experts at risk management, arming clients with essential education and information to protect their practices, while mitigating risk and reducing rates. this distinct concentration on affordable coverage coupled with an acute awareness of client needs has enabled positive physicians to design an intelligent business model that rewards its members with rate stability, claim predictability and on-going peace of mind. peace of mind that has resulted in 95% client retention since our inception. today, positive physicians insurance exchange serves hundreds of specialty practices and operates in new jersey, delaware, maryland, and ohio, as well as pennsylvania. the company has been assigned a financial stability rating® of a’ (a prime), unsurpassed from demotech, inc. this r