Business model
Sheltra
Independent malpractice insurance broker
MedPro Group
Medical professional liability carrier group
Bottom line: Sheltra helps compare insurers; MedPro underwrites and services its available policies.
Sheltra vs MedPro Group:
2026 comparison
Compare a multi-insurer broker with a direct carrier relationship.
Built for independent physician groups making a coverage decision.
Book a free coverage review
Bring your current policy or renewal indication.
The verdict
MedPro Group is the stronger choice for practices that already want MedPro coverage and prioritize direct access to its established claims-defense and risk-management infrastructure.
Sheltra is the broader choice for independent physician groups comparing the market, especially when they need multiple insurers considered, help keeping premiums in check, and ongoing guidance for claims questions and policy changes.
Side-by-side
Sheltra and MedPro Group at a glance.
The comparison uses the same decision criteria for both companies and keeps the broker and carrier roles distinct.
Decision criterionSheltraMedPro Group
Best fit
Sheltra
Independent physician groups seeking market comparison and ongoing broker support
MedPro Group
Practices that already prefer MedPro’s carrier platform and claims infrastructure
Bottom line: The choice depends on whether you want insurer choice or one carrier relationship.
Market access
Sheltra
Negotiates directly with 5+ insurers
MedPro Group
Offers MedPro-administered coverage
Bottom line: Sheltra can test multiple carrier options; MedPro presents its own available products.
Claims and risk support
Sheltra
Guidance if claims arise, backed by 40+ years of insurance and claims expertise
MedPro Group
Direct claims team, risk consultations, risk tools, and on-call experts
Bottom line: MedPro’s direct carrier infrastructure is its narrow advantage.
Premium process
Sheltra
Helps keep premiums in check through multi-insurer negotiation
MedPro Group
Produces a personalized MedPro quote using its underwriting approach
Bottom line: Compare matched terms, not headline premium alone.
Day-to-day service
Sheltra
Handles staff changes and policy requests with minimal time
MedPro Group
Dedicated service team, account tools, payment plans, claims support, and risk consultations
Bottom line: Both provide support, but from different roles.
Financial strength
Sheltra
Depends on the insurer issuing the selected policy
MedPro Group
MedPro Group members carry an A++ (Superior) AM Best financial-strength rating with stable outlook
Bottom line: Evaluate the actual underwriting carrier on every quote.
Availability
Sheltra
Carrier and state availability are confirmed during review
MedPro Group
Product availability depends on business and regulatory approval
Bottom line: Neither option should be assumed available for every risk or jurisdiction.
Sources: Sheltra, MedPro coverage, MedPro cost guide, and AM Best.
The honest tradeoff
One carrier’s infrastructure or a wider market view.
MedPro has a real advantage for practices committed to its carrier platform. Sheltra covers the broader decision and service workflow.
Where MedPro is stronger
Direct claims-defense infrastructure
MedPro gives insureds direct access to its carrier claims operation and reports 500,000+ claims handled, a 90% trial win rate, and 80% of claims closed without payment.
Built-in risk resources
Its service includes risk consultations, free risk tools, and on-call experts intended to help practices reduce risk before a claim.
Defined carrier features
MedPro describes pure-consent language, defense costs outside policy limits, cyber liability, and qualifying retirement-tail coverage. Terms and availability vary.
Financial-strength evidence
AM Best affirmed A++ (Superior) ratings for MedPro Group members with a stable outlook.
Claims outcomes are reported by MedPro. Free retirement tail requires eligibility, including specified retroactive-date and insured-duration conditions.
Where Sheltra is stronger
Multiple insurers considered
Sheltra negotiates directly with 5+ insurers, allowing an independent practice to compare the market rather than one quote in isolation.
Premium advocacy
Sheltra helps keep premiums in check while keeping attention on coverage terms—not simply the lowest number.
Guidance when claims questions arise
Support is backed by 40+ years of insurance and claims expertise, giving practice leaders a broker-side point of contact.
Ongoing policy service
Staff changes and routine requests are handled throughout the policy period, not only at quote or renewal time.
How the workflows differ
The carrier defends the policy. The broker manages the market decision.
These roles can complement each other, but they are not interchangeable.
Claims and risk support
MedPro’s strength is inside the carrier: claims professionals, defense resources, risk consultations, and policy provisions. Sheltra’s strength is at the broker layer: helping a practice understand what to report, what happens next, and how insurance decisions affect the broader account.
Placement and ongoing service
A policy placed through Sheltra is still underwritten and defended by the selected carrier. Sheltra does not replace the carrier’s legal or claims obligations; it compares the market and supports the practice before and after placement.
Pricing comparison
Neither publishes a universal premium.
MedPro offers a personalized quote based on factors such as specialty, location, coverage, claims trends, regulation, and underwriting. Sheltra reviews coverage and negotiates with multiple insurers; its public homepage does not publish a fixed fee or premium schedule.
Compare the same limits, policy form, retroactive date, endorsements, tail terms, and discounts. The cheaper option cannot be identified until both are priced for the same practice and terms.
Sources: MedPro cost guide, MedPro quote page, and Sheltra.
Choose MedPro Group when
- Your practice has already selected MedPro as the preferred carrier.
- Direct access to MedPro’s claims-defense and risk-management infrastructure is the deciding factor.
- MedPro’s available policy terms and quote fit the practice after a complete review.
Choose Sheltra when
- You want several insurers considered before deciding.
- You need help comparing policy form, tail, endorsements, service, and premium.
- You want ongoing support for claims questions, renewals, staff changes, and routine requests.
- Your independent group wants an advocate to manage the insurance process.
Frequently asked questions
Direct answers before you compare quotes.
Is Sheltra better than MedPro Group?
Sheltra is better for independent physician groups that want multiple insurers compared and ongoing broker advocacy. MedPro Group is better for practices already committed to MedPro that prioritize direct access to its claims-defense and risk-management infrastructure.
What is the difference between Sheltra and MedPro Group?
Sheltra is an independent malpractice insurance broker that helps practices compare insurers and manage coverage. MedPro Group is a carrier group that underwrites and services its available malpractice policies.
Which product is cheaper?
Neither Sheltra nor MedPro Group publishes a universal premium, so neither can be called cheaper without matched quotes. Compare the same limits, policy form, retroactive coverage, endorsements, tail terms, and discounts.
Can Sheltra replace MedPro Group?
Sheltra cannot replace MedPro Group’s role as an underwriting carrier. Sheltra can replace a direct or incumbent buying process by comparing carriers, helping place coverage, and supporting the practice after placement.
Who should choose MedPro Group instead?
A practice should choose MedPro Group instead when it already prefers MedPro’s coverage and values direct access to MedPro’s carrier claims team, risk resources, and available policy features more than a multi-insurer search.
Sources
Review the evidence.
Pricing and product pages were reviewed for this 2026 comparison. Availability, terms, and quotes can change.
- 01Sheltra homepage
Audience, multi-insurer negotiation, claims guidance, premium advocacy, and policy service.
- 02MedPro physician coverage
Coverage features, company-reported claims statistics, risk tools, and eligibility qualifiers.
- 03MedPro coverage overview
Customer scope, service, consultations, payment plans, and availability language.
- 04MedPro malpractice cost guide
Carrier-versus-broker distinction and personalized pricing factors.
- 05MedPro quote page
Free quote and legal disclosures.
- 06AM Best rating announcement
Independent financial-strength rating and outlook.
- 07BBB business profile
Limited independent review context; insufficient information for a BBB rating.
Compare your current coverage
See how MedPro and other available carriers compare on matched terms.
Bring your current policy or renewal indication. Sheltra will review coverage, market options, and the questions that matter before you decide.
Book a free coverage review