Medical Liability Mutual Insurance Company

News Update!

MLMIC's February 2018 Albany Report - Volume 2 Number 2

Effective January 31, 2018, upon signature from Governor Andrew Cuomo, a new law in New York State represents a significant change to the medical malpractice statute of limitations. To help policyholders understand the impact of the expansion of the statute of limitations, MLMIC has released a new edition of The Albany Report.

In Volume 2, Number 2, policyholders will find:

  • details about the statute of limitations expansion in actions related to negligent failure to diagnose a malignant tumor or cancer;
  • an explanation of retroactive clauses included in the new law; and
  • a reminder about the current statute of limitations that still applies to all other cases.

In addition to dedicating this edition of The Albany Report to this matter, MLMIC will be offering educational programs across New York State to help policyholders manage the risks and reduce the exposures presented by this new law.  Please consult The Albany Report for specifics.

MLMIC's January 2018 Albany Report

Legislative updates on the following three items are contained in MLMIC's "Albany Report":
     (1)  Expansion of Medical Malpractice Statute of Limitations
     (2)  MLMIC's Affirmative Legislative Agenda
     (3)  Governor's 2018-2019 NYS Proposed Executive Budget 
>>Read More

MLMIC's November 2017 Case Review Newsletter

This issue of MLMIC's Case Review newsletter features the following cases: 

(1)  Case #1 - Systemic Failures and Poor Care Lead to Death in the PACU - this case highlights the results of multiple deviations from the standard of care.

(2)  Case #2 - Inadequate Staffing Leads to Post-Treatment Disaster - unsafe patient conditions make a physician's case indefensible.

>>Read More

MLMIC Resources

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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 the insured 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:

Subscribe today, and each month MLMIC  will send you links to valuable insights and expert opinion on important liability issues.


MLMIC Risk Management Tip of the Month:

Tip #19:  Reducing the Risk of the "Copy and Paste" Function in Electronic Health Records

The Risk:  The  "copy and paste" function of electronic health record systems (EHRs) allow users to easily duplicate information such as text, images, and other data within or between documents.  While this funtion offers convenience and efficiency to healthcare providers, it also poses unique liability risks when the information copied and pasted is either inaccurate or outdated.  Further, redundancy within the new entry may cause difficulty in identifying current information and may create overly lengthy progress notes.

>> Read More

MLMIC Updates FAQs With Latest on Berkshire Hathaway Transation

In an effort to keep MLMIC policyholders up-to-date on the Berkshire Hathaway transaction, an updated FAQ has been prepared .  >>Read More

MLMIC's Fall 2017 Dateline Newsletter Is Available Online

The Fall 2017 issue of Dateline is now available online. The latest edition of this newsletter for MLMIC-insured physicians and facilities contains several articles, including:

  • a cover story about the use of unlicensed medical assistants in the physician’s office;
  • a case study about a dermatologist who was sued for an employee’s negligent laser treatment;
  • an underwriting update related to legal defense cost coverage endorsements;
  • recommendations for responding to unflattering online reviews;
  • a risk management tip on proper use of patient portals; and
  • notes on additions to MLMIC’s Research Library.

>>Read More

MLMIC - Risk Management Tips for Today's Medical Practice (Volume II)

Volume II of MLMIC's Risk Management Tips for Today's Medical Practice contains 10 tips on basic office procedures that promote patient safety and reduce exposure to liability.  Each tip is is designed to address a common issue in the office practice and provide practical guidance on how to employ best practices.  Tip topics include:  Using Chaperones During Physician Examinations, Promoting Communication Between Referring and Consulting Physicians, Handling Patients' Complaints Properly, Managing Drug Seeking Patients, Communicating and Following-Up Critical Test Results, Promoting Adherence to a Medication Regimen, Communicating with Low Health Literacy Patients, Discontinuing the Physician-Patient Relationship Properly, Treating Patients with Whom You Have a Close Relationship and Reducing the Risk of the "Copy and Paste" Function in Electronic Health Records. >>Risk Management Tips Brochure

MLMIC's Summer 2017 Case Review Now Available

(1) Poor Medical Care Contributes to Death of Nursing Home Patient and (2) Nerve Injury from a Femoral Block Under General Anesthesia  >>Read More

MLMIC's Spring 2017 Dateline Newsletter Is Available Online

Highlight articles include:  The Expanded Use of Motions for Summary Judgment, Effective Coordi-
nation of Care:  Hospitalists and Primary Care Physicians, Case Study:  Examining Patient Identification Errors and Reports to Child Protective Services:  What Can I Tell the Police? 
>>Read More

2017 Healthcare Law Review

Attorneys from Fager Amsler Keller & Schoppman, LLP will provide an overview of the recent legislative, regulatory and case law developments that impact the provision of healthcare.  Additionally, MLMIC's Risk Management Consultants will offer strategies to mitigate the patient safety and professional liability risks identified throughout the presentation.  For more information, including a listing of statewide meeting dates and locations, click here.

MLMIC Shares Anticipated Timeline for Berkshire Hathaway Transaction

MLMIC is pleased to advise policyholders that the Berkshire Hathaway transaction is on track.  As such, you can expect several major milestones to occur between now and the expected close of the transaction by year end 2017.  >>Read More

MLMIC Releases Winter 2017 Case Review Newsletter

MLMIC's Winter 2017 Case Review Newsletter is now available.  The Case Review is published twice a year
(summer and winter) and focuses on two medical malpractice lawsuits and the medical and risk management issues involved in each case.  The Winter 2017 issue of Case Review features the following cases:

MLMIC Asks the Question:   What's Your Security Worth?

Recent news stories are shining a spotlight on the dangers of unstable medical liability insurers.  Many healthcare professionals are rightfully concerned and are switching carriers. 

Choose MLMIC and stop worrying about what might come next. 

As New York's #1 medical liability insurance provider, MLMIC has been supporting physicians, hospitals and dentists in the area for more than 40 years.  MLMIC has a proven reputation for stability.  Find peace of mind at a reasonable price.  Sign up or renew by May 1st and you may even qualify for a 20 percent savings (applies to policyholders insured on 5/1/17 and who maintain continuous coverage through 7/1/17 and is based upon the annual rate of premium in effect on 5/1/17.  The dividend will be paid as a credit on your 7/1/17 renewal policy invoice). 

Learn more about what MLMIC can do for you.  Call (888) 690-2393 to speak with a MLMIC representative today.

As a Result of Continued Fiscal Strength, MLMIC Declares New Dividend

MLMIC's latest dividend is based on overall assets of $5.8 billion, a surplus of $1.9 billion and a net income of $100 million.  These figures, available in the company's Q3 statement, show the company's overall financial condition remains sound.  >> Read More

MLMIC Announces NO Rate Increase for July 1, 2016 - July 1, 2017
Financial Relief for Physician Policyholders

MLMIC recently announced great news for physician policyholders. In fact, they have three pieces of great news related to rates, dividends and discounts, and each will provide some financial relief in this difficult environment. Here are the details:

  • No rate increase - For the second consecutive year, there will be NO rate increase for physician policyholders on July 1.  The Superintendent of Insurance has accepted MLMIC’s recommendation that the rates remain unchanged for all physician policyholders for July 1, 2016 – July 1, 2017.
  • 20% dividend credited - The 2016 dividend appears on current physician invoices. As previously reported this year, MLMIC declared a 20% dividend for policyholders who were insured on May 1, 2016 and maintained continuous coverage through July 1. The 20% dividend is based on the standard annual rate of premium in effect on May 1, 2016 and is reflected as a credit on your invoice.  This is the largest dividend declared in MLMIC’s history, and it will hopefully provide meaningful relief to policyholders.  Since inception, MLMIC has paid over $400 million in dividends to policyholders, a feat unmatched by competitors operating in New York State.
  • Additional claims-free discounts – MLMIC is also very pleased to announce the approval of a 12% discount for qualified physicians that have been claims free for ten years.  This is an expansion of their 7.5% claims free discount program that was introduced in 2011. Therefore, a policyholder may now qualify for either a 7.5% or a 12% claims free discount as follows:
    ♦  7.5% to qualified physicians and surgeons who (1) have been continuously in practice for a minimum of five years and (2) have no open claims (or suits) and no closed claims (or suits) with indemnity or expense within the past five years (regardless of the accident date or report date).
    ♦  12% to qualified physicians and surgeons who (1) have been continuously in practice for a minimum of 10 years and (2) have no open claims (or suits) and no closed claims (or suits) with indemnity or expense within the past 10 years (regardless of the accident date or report date)

    In order to see if the discount has been applied to your premium, please refer to the “Premium Summary” included in your renewal policy.  If you are receiving the discount, a “Claims Free Discount” line item will appear as part of your premium calculation. 

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

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

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.                                         

Last Updated: 2.14.18

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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