Several years in the making, The Midwife Plan is an Allied Healthcare Professional and General Liability policy designed specifically for Out-Of-Hospital (OOH) Midwives and Birth Center Practices. It is available exclusively for members of these professional  organizations:

  • American Association of Birth Centers (AABC)
  • American College of Nurse-Midwives (ACNM)
  • Midwives Alliance of North America (MANA)
  • National Association of Certified Professional Midwives (NACPM)

Options are also now available for midwives and birth centers.  We provide services in all settings, including hospital and physician practices.

Apply to become insured as a midwife here:  Midwife Insurance Form

Apply to have your Birth Center insured here:  Birth Center Insurance Form

Please send completed form to or fax it to (407) 985-3556.

Southern Cross gives you better coverage quickly, with turnaround in 24-48 hours. We know your business. We solve your need for coverage.


Insurance for MidwivesFounder of The Midwife Plan, Ann Geisler, would like to share her expertise on some common questions that come up when discussing birth center malpractice insurance with her clients:

Is it common practice in the malpractice insurance industry to shop around at renewal time?

Yes, as an Independent Agency, we have access to many different companies.  Ann makes every effort to keep up with changes with all the insurance carriers we use because underwriting guidelines can change every few years.  One carrier we have been using decided to no longer insure Birth Centers, so we have moved our clients from that carrier to ones that still write for that exposure.  By shopping renewal applications we also get a feel for each carrier’s price point, guidelines for states to cover, positions on VBACs,  Home Delivery, volume of business, number of midwives, etc.  This helps us match the client to the best insurance company for their needs!

Is there a reason why my birth center malpractice insurance was moved to a different carrier?

Moving your insurance to another carrier could be a very beneficial move and offer many benefits as you  grow your Birth Center.  Staff changes, including adding additional midwives, use of substitutes or locum tenens are all covered by our preferred carrier where there would be additional charges under other carrier policies.  This enables you to purchase a fixed-cost policy to budget for, and in many cases, a cost savings.

Is there a risk to frequently changing insurance companies to the point where they refuse to supply a policy quote? Is loyalty rewarded or does it not matter? I don’t want to burn all our bridges when only a few bridges exist.

“Jumping” from one company to another can be good or bad depending on the reason for the jump.  Guideline changes sometime force a move or a change in business model of the client.  Super high renewal premium increase is another good reason to move.  All underwriters will look closely at multiple moves and take into consideration the reasons, but generally this is not held against you.  All policies are not created equal, so it’s important to review your policy.

If you have any questions about birth center malpractice insurance please feel free to call Ann Geisler at (888) 985-3542 or email her at


MANA 2013 | Birthing Social Change

October 25, 2013

Southern Cross Insurance Solutions and The Midwife Plan arrived in Portland yesterday for the MANA 2013 Conference!  We are proud to be a Silver Sponsor of the event this year after attending every year since 1997. The theme for MANA 2013 is “Birthing Social Change”.  The theme speaks to the heart of MANA’s goal of [...]

Read the full article →

AABC Gala to Grow Birth Centers 2013

September 27, 2013

Ann Geisler and Melanie Hart are excited to attend the AABC Gala to Grow Birth Centers event on Saturday, September 28th!  The event is AABC Foundation’s annual fundraising event and it is being held at the AABC Birth Institute in Minneapolis, Minnesota. The theme of this year’s fundraising event is “Party at the Headwaters“.  We look [...]

Read the full article →

Midwives Association of Florida Conference 2013

September 17, 2013

Southern Cross Insurance Solutions and The Midwife Plan are excited to attend the Midwives Association of Florida Conference 2013!  We are proud to participate as a Platinum Sponsor, as well as conduct two CEU sessions.  The CEU sessions will be “Professional Liability Insurance 101″ and “Risk Managament for Adverse Outcomes”.  We will be attending September 20-21. The theme for [...]

Read the full article →

Top Ten Ina May Gaskin Quotes

August 6, 2013

We would like to honor Ina May Gaskin and her amazing work for midwives with what we think are her top ten midwifery quotes of all time: 1.)  “It is important to keep in mind that our bodies must work pretty well, or there wouldn’t be so many humans on the planet.”   2.)  “There is no [...]

Read the full article →

Congratulations JayVon Muhammad!

July 28, 2013

The Midwife Plan would like to congratulate JayVon Muhammad for becoming the new CEO of Marin City Health and Wellness Center!  JayVon has had a tremendous impact in the world of midwifery, and we know she will continue her success in the Marin City Community.  The following is from the NACPM that contains more information [...]

Read the full article →

Are You a Midwife Without Liability Insurance?

June 25, 2013

Some midwives choose not to purchase liability insurance.  Ann Geisler has two alternative suggestions: 1.)  Incorporate binding arbitration in your practice as an alternative dispute resolution.  Contact Ann Geisler at (888) 986 – 3542 today for a Plain English description of how this process works. 2.)  Incorporate or form a legal entity to help shield [...]

Read the full article →

Working Hard to Reduce Insurance Rates for Midwives

June 18, 2013

Ann Geisler continues to promote OOH (out-of-hospital) midwifery as a safe and profitable insurable risk.  She has been working hard the past two decades to advocate and reduce insurance rates for midwives.  In May of 2013, she traveled to the Northeast to meet with a large “A-rated” insurance carrier to negotiate coverage for midwives and birth [...]

Read the full article →

ACNM Annual Meeting Highlights

June 7, 2013

Ann Geisler and Melanie Hart had a wonderful time at the ACNM Annual Meeting in Nashville, Tennessee.  Ann Geisler has been to dozens of Midwifery Events and Conferences, and said the ACNM Meeting was the largest conference she has ever attended.  The ACNM Annual Meeting had nearly 2,000 pre-registered attendants and 400 midwifery students! Ann [...]

Read the full article →

58th Annual ACNM Meeting

May 17, 2013

Ann Geisler and Melanie Hart will be attending the upcoming 58th Annual ACNM Meeting from May 29  - June 2, 2013.  This year’s meeting will be taking place in Nashville, Tennessee. The 58th Annual ACNM Meeting is a wonderful opportunity for midwives, students, and other women’s healthcare providers to polish professional skills, learn the latest [...]

Read the full article →