To some companies, you're a risk subject to underwriting rules. With us, you're a partner under our protection.
At a glance, policy forms and coverage limits from different professional medical liability insurance companies can seem very similar. Unfortunately, most physicians don’t really discover the real differences until they face a claim. At which point, for that claim anyway, it’s too late to compare. For better or worse, you simply get what you paid for. And with some companies at least, should that claim be above a pre-determined threshold, chances are your policy will not be renewed. Nothing personal; they’re simply following their underwriting rules. After all, they’re in business to make money and they design their rules to protect their business.
Medical Mutual, too, is a business. But we exist only to protect you and your fellow healthcare providers not to maximize profits for investors. Sure we have rules. But perhaps the most important one of all mandates that your physician peers participate in any underwriting decision after a claim against you has been resolved. Even if you’re submitting a new application and have had claims in the past, you will not be declined simply on the basis of arbitrary rules. You’ll enjoy the same opportunity to have your application reviewed by a physician peer.
And who better to see beyond a claim outcome who better to understand the medicine and the issues involved in evaluating you as a potential partner than a fellow physician? Physicians in service of physicians. That’s the Medical Mutual way.
Click here for highlights of our standard claims-made insurance coverage for physicians, surgeons and healthcare providers.
Collaborating on Sensible Approaches to Hospital-Based Care
John A. Marzinzik CFO
Policy Renewals and Your Loss Experience
Dennis J. Sullivan, M.D.
Underwriting: A Peer Decision
Thomas D. Hayward, M.D.