Superior Protection Since 1978

For superior protection of your assets and reputation — look to the team who's been providing stability to the New England medical community for 46+ years.

Founded in 1978 by a group of 12 physicians, Medical Mutual provides malpractice/liability insurance to physicians, hospitals, nursing homes and allied health facilities in Maine, New Hampshire, Vermont and Massachusetts.

Our mission is "To support and advocate for health care providers and protect their assets and reputations by offering superior services and products which enable them to continue the delivery of high–quality care."

From the Company's Board of Directors to the management team to the entire staff, we are vigilant in honoring that mission. Which is why Medical Mutual is exclusively endorsed as the preferred malpractice and hospital insurance carrier by the Maine Hospital Association, The Maine Medical Association, Maine Osteopathic Association, the Vermont Medical Society and other leading organizations. It’s also why Medical Mutual is the dominant carrier of medical malpractice insurance in Northern New England.

Beyond providing superior protection, Medical Mutual has played an important role in providing stability to the Northern New England healthcare community.

Bringing Medical Mutual style protection to Massachusetts

Having begun providing insurance in Massachusetts several years ago to accommodate the needs of Northern New England practices with satellite offices and facilities in the Bay State, we are now offering coverage to independent physicians and hospitals based there. Our new occurrence policy form is tailored to the needs of the Massachusetts medical community and boasts the same innovative coverage advantages and best–in–class risk management services available to every other Medical Mutual client.

In addition, every Medical Mutual client enjoys an unmatched level of customer service. When a client calls, a real human with knowledge and authority in the area of inquiry will be available to answer their question.

That commitment to customer service is born of a Company Credo that encompasses 5 essential components.

1. We believe our primary responsibility is to protect the assets, financial integrity and reputations of the physicians, clinicians, hospitals and other healthcare related organizations we insure.
   

   We also believe our responsibility extends to the patient communities our member–insureds serve. To those ends, we pledge to provide programs and services designed to enhance patient safety, promote best practices and reduce medical errors.

   It's all about protecting you and your patients.

   We underwrite all specialties, a long–held principle aimed at providing stability for the medical communities we serve and to foster access to comprehensive care.

   Claims and underwriting decisions based on the medicine, not the money. Our standing Claims Committee —comprised entirely of experienced physicians who understand the care environment and the value of your reputation —review all significant claims. This is an advantage that no other carrier in New England can match.

   Our flexible insurance programs feature innovative and unique coverage options for customized plan design, so you have the exact protection you need.

2. We are responsible to our employees – the men and women who work to provide these services to our member–insureds.

   We value each of our employees as individuals and will support their responsibility to their families. We will provide an atmosphere of collaboration, recognition and fair compensation…. which ultimately extends to you, our member/policy holder.

3. Similarly, with our vendors and key business partners —we pledge to foster mutually–beneficial relationships based on trust, respect and the shared goal of serving the best interests of our member–insureds.
4. Underlying these relationships is a commitment to acting with integrity —carrying out our daily business activities by following the highest ethical standards.

   In short, we pledge that all our actions will be guided by the foundational principle of doing the right thing.

5. This principle applies to all decisions related to fiscal and operational management – including rate setting, reserving and dividend declarations – with the goal of ensuring our long–term viability to meet its responsibility to its memberinsureds, employees, business partners and the communities in which we operate.

Count on us for financial stability today, tomorrow, always.

Because of our long–term focus and clear mission, when you’re insured by Medical Mutual, you can be sure we’ll be there for you when you need us, regardless of market conditions. Here’s proof:

• Since 1978, Medical Mutual has thrived based on humble principles, conservative financial management and a fierce dedication to its mission of serving the medical community.
• Today, our financial stability is strong by any measure commonly applied to insurers. And independent rating agency, AM Best, recognizes the Company’s financial strength as A (Excellent)
• We consistently carry a level of policyholder surplus that places it among the most stable provider–owned companies in the country.
• The historical record of loss reserves for filed claims has consistently exceeded case results to the benefit of our Company and policyholders. And assets are invested conservatively with vigilant testing and re–testing of the portfolio’s ability to withstand stresses from interest rate and equity market fluctuations.
• As a mutual company, our philosophy is to pay dividends in the form of premium credits when actual loss experience proves better than expected. Since our founding in 1978, we’ve declared 24 dividends, aggregating more than $85 million.