Medical Liability Mutual Insurance Company

News Update!

MLMIC Releases Summer 2016 Case Review Newsletter

MLMIC's Summer 2016 Case Review Newsletter is now available.  The Case Review is published twice a year (summer and winter) and focuses solely on medical malpractice lawsuits and the medical and risk management issues involved in these cases.  Each issue contains two case studies, an attorney's perspective and,when appropriate, a physician's perspective.  The overall theme for the new 2016 summer issue is "treating friend and family". 

Media Reports Growing Concern Over New York's Medical Malpractice Market

While MLMIC can’t speak to the coverage of their competitors, they can assure their policyholders that MLMIC’s level of protection remains unchanged. MLMIC continues to provide exceptional coverage, a strong risk management program
and high quality legal counsel.  >>
Read More


NYACP continues to endorse MLMIC as a membership benefit because, for over 40 years, the Medical Liability Mutual Insurance Company (MLMIC) has put the interests of policyholders first. Their mission has always been to provide the highest quality liability insurance at the lowest possible cost consistent with long term viability. MLMIC charges premiums that are specialty and territory specific, without a profit motive or high operating expenses.  When MLMIC’s financial results turn out better than expected, dividends are shared with policyholder holders. To help insureds avoid claims, effective risk management programs are developed that provide CME credits, a 5% premium discount and the opportunity to qualify for free excess insurance funded by New York State.  For policyholders that get a claim, MLMIC vigorously defends the standard of care, closing the vast majority of cases without a loss payment. Today, MLMIC is the leading medical and dental liability insurer in New York State, and they insure approximately 15,000 physicians, 5,000 mid-level and allied health practitioners, 4,000 dentists, and 40 hospitals. MLMIC remains a mutual insurer owned by their policyholders.  If you want an insurance carrier that truly looks out for you, please visit or call (800) ASK-MLMIC.

The MLMIC News Digest e-newsletter

            Recent Articles Include:

Risk Management Tip of the Month:

Tip #15:  Communication With Patients

The Risk:  Communication is the cornerstone of the doctor-patient relationship.  Patients' perceptions of physician communication skills may impact the potential for allegations of malpractice.  The following are some suggestions which are designed to promote open communication and enhance your ability to reach an accurate diagnosis and develop an appropriate plan of care.  >> Read More

Dealing with Patients Who Have Compromised Driving Ability

One of the most difficult decisions an individual faces is whether and when to surrender his/her driver's license and stop driving.  In addition, physicians are often in a quandary regarding the extent to which they are obligated to report to the New York State Department of Motor Vehicles when they believe a patient should not be operating a motor vehicle.  It is recommended that you take a few minutes to read this important and informative article.  >> Read More

Now Available - MLMIC's Dateline Publication - Spring 2016 Volume 15 Number 2  >>Read More

MLMIC Policyholders to Receive 20 Percent Dividend

MLMIC’s Board of Directors has approved a 20 percent dividend for all MLMIC policyholders who are
insured as of May 1, 2016, and maintain continuous coverage through July 1, 2016.

MLMIC’s mission is to provide insurance at cost and, to offset premiums, they offer dividends to policyholders when possible. Competitors often promise low initial premiums to

attract business, but MLMIC continually operates without a profit motive. Instead, they work to provide much needed relief to policyholders, while maintaining financial stability.

MLMIC remains a mutual insurer, owned by their policyholders, and they are committed to policyholder-first service. Over the years, MLMIC’s financial strength has allowed them to pay more than $300 million in dividends to their policyholders, an accomplishment unmatched by other insurers.

For questions or to understand more about dividends, contact MLMIC.

What to Do When Patients Record Conversations with Their Patients

The use of cell phones by patients and families for the purpose of recording conversations with their healthcare providers is a topic of serious concern to many physicians.  >>Read More

Risk Management Tips:  Communicating with Low Health Literacy Patients

Lack of health literacy can make effective communication with patients a challenge.  At stake maybe inability to comply with treatment regimens, give informed consent and use medication properly.


The Latest Advice In Practice Management

4 Strategies to Increase Patient Safety and Reduce Risk
In recognition of National Patient Safety Awareness Week, we encourage all our insureds to identify ways to improve patient safety and reduce risk.  >>Read More

Alternative to Certified Mail
Whenever you must send an important communication to a patient, it must be in writing and sent by means of a reliable delivery method.  In the past, many significant written communications, discharge letters, or warning letters to noncompliant patients would be sent to the patient by certified mail, return receipt requested.  The certified mail process requires a signature from the patient or another person who lives at the address, thus providing evidence that the commmunication was, in fact, received.Unfortunately, not only has the cost of certified mail dramatically increased, but ...  >>Read More

Update on Physician Assistant Prescribing Authority
The Spring 2014 Issue of Dateline discussed the rules governing the professional practice of physician assistants (PAs).  In the article Physician Assistants:  A Risk-Benefit Analysis, it was stated that PAs could not prescribe any Schedule II controlled substance, citing 10 NYCRR §94.2(e)(5) (page 3, footnote 10).  On February 26, 2014, a Notice of Proposed Rulemaking was published in the New York State Register proposing to remove this restriction.  As of this writing…  >>Read More

Medical Liability Mutual Insurance Company (MLMIC) was formed in 1975, in cooperation with the Medical Society of the State of New York (MSSNY).  It is a mutual professional liability insurance company, which means that it is owned by the healthcare providers it insures. Headquartered in New York City, MLMIC has field representatives throughout the State, as well as three regional offices located in Syracuse, East Meadow, and the Albany area.

Management and direction of MLMIC is accomplished through a Board of Directors, comprised of physicians, dentists, and hospital administrators.  Policyholders have full voting rights on management issues. MLMIC is an active participant in the national organization, Physician Insurers Association of America (PIAA), and has been a leading force in development of risk management programs and systems, cause of loss identification, and patient safety education.                                         

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New York Chapter of the American College of Physicians
744 Broadway, Albany NY 12207
Tel: 518-427-0366
Fax: 518-427-1991