December 12th, 2018


Understanding the Differences Between Claims and Incidents

An overview of how physicians can protect themselves against malpractice allegations with early reporting of adverse events.

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November 11th, 2015


North Carolina Physician Assistant Update: Important Changes to Automatic MD Liability

Prior to May 1, 2015, the North Carolina Medical Board’s Rules purported to make the Primary Supervising Physician (“PSP”) of record responsible for everything the Physician Assistant (“PA”) did (i.e., any negligence). This led plaintiff’s lawyers to exploit the Rules and argue that the PSP was automatically negligent whenever it could be proven that the PA was negligent—even if the PSP was not actively involved in the care at issue.

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October 1st, 2015


Are You Covered? Understanding Directors and Officers Liability Coverage

The August ’15 MedNotes blog broadcast featured the first article in a series highlighting misconceptions uncovered in Chubb’s 2013 Private Company Risk Survey regarding what is and isn’t covered in most General Liability policies. In this installment, we focus on the critical need for Directors and Officers Liability (D&O) coverage, as well as the costly nature of D&O claims.

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Protecting Our Profession and Your Bottom Line: New MLI coverage options protect your practice’s operational and financial viability

We are pleased to announce that MMIC Agency has recently partnered with the Chubb Group of Insurance Companies to provide our members with industry leading coverage across a broad range of liability exposures.

Read the full story for more information about this partnership…

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June 30th, 2015


You Signed What? Contractual Liabilities Are Expanding in Health Care. The Uninformed Can Be Uninsured!

David Sousa, Medical Mutual’s Chief Operating Officer and General Counsel, provides an overview of the most common problems that we see in contracts sent to us for review and comment, as well as some very simple questions that every practice should address to ensure that mistakes are not made in contract negotiation and execution.

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March 30th, 2015


Employment Practices Liability Insurance

As your practice grows, so should your liability coverage. Are you prepared for the additional exposures?

Running a profitable, independent physician practice is becoming increasingly difficult. Many physician groups are looking to growth and expansion to generate additional income and increase their negotiating leverage with health insurers. Whether this growth is organic or through acquisition, it should be accompanied by a number of insurance coverage considerations, including the need for adequate Employment Practices Liability coverage.

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September 25th, 2014


Grey Area Anatomy: What Defines the Boundary Between General Liability and Professional Liability in a Health Care Setting?

What happens if a claim arises that appears to fall under both general liability and medical malpractice when both policies typically exclude coverage granted by the other? The answer is often unclear and as evidenced by court history, the verdict can vary based on state specific legislation, even in seemingly similar cases. The variation in the history of court rulings in these types of cases illustrates just how imperative it is to have confidence in your general liability AND professional liability providers’ commitment to your protection and defense.

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February 28th, 2014


2014 Limits of Liability by State

We often receive requests to recommend the limits of liability that should be carried by our insured physicians. We hesitate in making these recommendations as the procedures physicians perform, the scope of their practices, and their individual financial situations are so individually variable. Medical Mutual is happy to provide, however, the data to assist you in making this decision — including an itemization of the limits of liability carried by physicians of differing specialties.

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April 22nd, 2011


Spring 2011 Limits of Liability Report Now Available

Medical Mutual’s 2011 limits of liability report is now available on our website. This report shows the current distribution of limits by specialty in North Carolina.

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