"If you have a malpractice carrier that is rated highly and your agent is rated  poorly, are you really getting a deal? NO!  I now insist that my agents be just as good, if not better than the malpractice carrier I choose.  Joe Santiago has proven himself to be just such an agent.  He knows his product, supports his product and is ever amiableand helpful.  We all get in a rush, it is easy in this high stress, high time demanding medical world to forget what day it is, never mind that you forgot to send out the payment.  It is wonderful to have an agent who will send you a quick, gentle reminder.  If the ghastly happens and one does get sued, your agent is your first resource and he better be a great one.  I believe I have found such a gentleman in Joe Santiago!  Go ahead, treat yourself to greatness!"
– Violet T. - President/ CEO PHB

  

"As a client for the past 9 years, we continue to receive the same great service as the first time we contacted APS.  Being able to contact APS during and after business hours shows their commitment for customer service.  The APS agnets and staff are very knowledgeable, helpful and personable - a joy to work with.  It gives us a great comfort level having APS as our insurance departmentand knowing that the client's interests are always number one."
– Michelle G. - Manager/ Administrator P.M.G., MD, PA

"We are very satisfied with the service that we have always received from APS.  Our concerns are addressed promptly and professionally.  Medical Liability insurance is of utmost importance to physicians.  We feel we are in very capable hands and this give us great peace of mind."
– A.C.S, MD - Internist