The BETA Advantage
Healthcare is always in a state of change. Insurance markets change. What doesn’t change is the need for solutions that combine distinctive product features, sophisticated underwriting, competitive pricing, and leading-edge claims and risk management services.

Since the earliest days at BETA Healthcare Group, when twenty-two district hospitals banded together to form a hospital-governed risk-sharing pool to establish a stable market for medical professional liability and workers' compensation coverage in California, our roots have been firmly in the West, and serving California, Oregon, and Washington is at the heart of what we do.
BETA has a long-established commitment to healthcare – it’s all we do.
We are the largest professional liability insurer on the West Coast and a leading workers’ compensation provider. BETA Healthcare Group serves its members as a trusted partner when priorities shift, or new categories of risk emerge, whether seeking to advance their operational and safety goals, or protecting their patients and employees.
- 34 consecutive years of member dividends
- Member retention rate of 99%
- Over 50% of our members have 15+ years or more with BETA


BETA Risk Management Authority
BETA Risk Management Authority (BETArma) is a joint powers authority in California, a public entity established as a risk pool that enables district, county, city, and nonprofit healthcare facilities to self-insure their liability and workers’ compensation claims by pooling risks among similar facilities. The JPA structure provides four distinct benefits:
- Operated by and for its membership
- Can meet the specific needs of the group and individual members
- No federal or state income or premium taxes
- Profits are returned to members or reinvested to ensure long-term rate stability
Key Benefits
- A full complement of coverages with high limits available
- Collaborative, team approach to working with our members
- Superior claims handling and industry-leading risk management services
- AM Best rated as “A” (Excellent) with a stable outlook
Target Members
- Hospitals
- Medical Groups and Physicians
- Clinics
- Aging Services

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