The national guide covers specialty liability lines. Missouri's exam focuses on medical and professional malpractice in RSMo chapter 383, along with commercial casualty notice rules.

Malpractice assessment companies (383.010)

• Three or more licensed professionals may form an entity that provides malpractice insurance or indemnification on the assessment plan.
• Professional malpractice policies are not "commercial casualty" for the 60-day notice rules in 379.882–379.888.
• Insurance written by these companies is excluded from the Missouri Property and Casualty Insurance Guaranty Association (375.773).

Medical malpractice joint underwriting association (383.155–383.170)

• After a public hearing finds malpractice insurance not reasonably available in the voluntary market, an association may be created.
• Membership is a condition of an insurer's continued authority to do business in Missouri.
• Limits: up to $1,000,000 per claimant and $3,000,000 for all claimants under one policy in a policy year.
• Stabilization charge: in the first policy year, each policyholder pays an extra amount equal to the premium, stated separately.
• Any health care provider may apply, directly or through an authorized broker or agent.

Common exam traps

• Assessment-plan malpractice entities: 3 or more licensed persons. They aren't covered by the P&C guaranty association.
• JUA limits: $1 million / $3 million.
• First-year JUA policyholders pay an extra charge equal to the premium.