Offer Superior Protection

As an authorized agent for Northern New England's preeminent malpractice insurance carrier — you're the hero providing superior protection.

If your goal is to thrive as a valued insurance agent for physicians and other medical professionals, you’re on the right track as an authorized Medical Mutual of Maine agent.

Medical Mutual Insurance Company of Maine has been the dominant malpractice insurance/liability protection carrier in Northern New England for 46+ years, which is great news for you as an agent that serves the medical community. You can expect a higher level of satisfaction and respect when you’re presenting these major advantages to your clients:

• New Occurrence Policy form in Massachusetts – your clients will welcome a new option in the market from a terrific company that offers excellent coverage and an unusual level of customer service
• Superior protection (compare other carriers against these major benefits to see exactly how Medical Mutual rises above other options):
  • Standard $1M/$3M limits and full protection across the board – no sub–limits for certain categories such as sexual abuse and molestation
  • No hammer clause on any policy in any state in which we operate – which means your clients will avoid quick "settlement deal" decisions where other companies take the offer, leaving physicians out in the cold, even if they were in the right.
  • Innovative options and unusually generous benefits, such as $100 K in base cyber coverage – double the amount provided by most carriers (for many physicians, this is the only cyber coverage they get)
  • Group highlights – Our group policies offer the same coverage as individual policies, while offering significant administrative efficiencies and other advantages. With a policy in a group’s name, there is a single policy with one set of invoices and one common effective date – as opposed to separate invoices for each physician, arriving at various times because of differing individual effective dates. All providers retain their own retro-active date and their own individual limits, but administration is simpler due to the streamlining of redundant paperwork into a single transaction.
  • Physicians Administrative Defense (PAD) coverage is a feature of your medical professional liability insurance policy you can take advantage of should you be the subject of a disciplinary proceeding in front of a government licensing board, a hospital board, or any other organization that can curtail, suspend or revoke your ability to practice. Like most carriers, Medical Mutual provides coverage, subject to limits, for legal consultation and defense costs related to administrative disciplinary proceedings.
  • No consent to settle – no claims will be settled on your clients’ behalf without their consent… this gives the insured ultimate control
  • Discounts – Premium discounts are offered for Loss-Free Experience, Longevity, Part-Time Practice, New Doctor, Leaves of Absence and Other Factors which mitigate the risk of loss or facilitate administration.
  • Non-assessable policy – No back charges if prior years’ rates are proven to have been inadequate.
  • Excess insurance available – Should your client desire coverage over and above the limits of Medical Mutual’s standard professional liability insurance policy, we offer an extra layer of coverage in the form of umbrella excess insurance. This gives them the higher limit(s) they desire to protect against catastrophic cases and judgments.
  • Locum Tenens – If you notify Medical Mutual prior to a planned absence, protection may be available while your practice is covered by another health care provider.
• Rated A (Excellent) by AM Best
• Competitively priced with the most flexible payment plans – we’re the only carrier offering up to 9 monthly installments.
• Easy to apply online
• All specialties covered – We underwrite ALL specialties of physicians, hospitals, nursing homes and allied health facilities in Maine, New Hampshire, Vermont and Massachusetts.
• Physician-led mutual with excellent track record of paying dividends in all states
• Claims decisions made by doctors on the medical facts – not businesspeople trying to save money
• A local, Maine company whose mission is explicitly to serve the New England medical community
• Claims decisions made by doctors on the medical facts – not businesspeople trying to save money
• A mutual company with over $240 million in surplus and $450 million in Admitted Assets – (financial metrics putting MMIC in elite company – to come from actuaries
• AND… commissions that respect your value – ask about our competitive commission schedule.