According to the Insurance Information Institute (2011), although “premiums are now stable and the frequency and severity of claims has moderated, some observers see the beginning of a reversal”.  A 2010 study by Conning notes that “medical malpractice profitability cycle has peaked…a number of factors will challenge insurers and possibly lead to higher losses over the next few years”.  These factors include: Outpacing other tort areas, costs to defend/settle medical malpractice cases are continually rising…