PriMed Consulting - Medical Malpractice Insurance NY, NJ, WV
MLMIC Claims-made coverage: Free tail-coverage eligbility

MLMIC Claims-made coverage: Free tail-coverage eligbility

12 Nov 2012
12, Nov Nov, 2012

Physicians and surgeons who have a Claims-made medical malpractice insurance policy with MLMIC may be eligible for Free tail coverage. Here are some of the eligibility criteria:

  • In the event of the insured’s death, or permanent and total disability
  • Permanent and total retirement from the practice of medicine after he/she attains the age of 65 or older and has been insured on a claims made basis by an authorized insurer for 5 or more consecutive years
  • Permanent and total retirement from practice after an insured attains the age of 55 or older, and has been insured on a claims made basis by an authorized insurer for 10 or more consecutive years; or,
  • Regardless of age, the insured retires and has maintained claims made coverage with an authorized insurer for at least 10 consecutive years, provided the last 5 consecutive years were through MLMIC.

Tail Coverage, or Extended Reporting Period (ERP) rules may differ between NY standard market carriers (such as MLMIC & PRI) and Risk Retention Groups. If you care contemplating a change to your current medical malpractice coverage, or exploring malpractice insurance coverage for the first time, call PriMed Consulting. PriMed Consulting is an independent medical professional liability agency serving NY & NJ.

Phone: 800.528.3758. Email:
802 West Park Avenue, Bldg. 3, Suite 302, Ocean, NJ 07712

Source: MLMIC Website

New York Medical Malpractice Insurance: Voluntary Attending Physician (VAP) Program

5 Nov 2012
5, Nov Nov, 2012

Physicians’ Reciprocal Insurers (PRI) & Medical Liability Mutual Insurance Company (MLMIC) offer VAP programs & discounts to their physicians. VAP discounts are available to physicians who have privileges at hospitals that are insured by one of the above two insurance carriers.

VAP Discounts

: If the hospital of principal affiliation AND the physician are both insured by the SAME carrier (PRI or MLMIC), the physician (Voluntary Attending Physician) is eligible for the following discounts totalling 12%

Risk Management Discount

: 5%. This online or class adminstered course also allows physicians to be eligbile for a 5% discount on their malpractice premiums, as well as the Section 18 Free Excess coverage of $1/3 Million through the hospital of their primary affiliation.. Please read our article on Section 18 Excess coverage for updates.

Joint Defense Discount

: 7%. Eligible physicains applying for this discount would have to agree to a Joint Defense if named in a lawsuit with any other physician who is insured by the same carrier under the same program.

We stronly urge physicians to understand the pros and cons of the VAP program and the benefits or discounts this program can provide. For more information or help with an application, please contact PriMed Consulting at 800.528.3758. Email:

PriMed Consulting is an independent medical professional liability agency serving NY & NJ. 802 West Park Avenue, Bldg. 3, Suite 302, Ocean, NJ 07712

Physicians Reciprocal Insurers (PRI) Program for NY Pediatricians

19 Sep 2012
19, Sep Sep, 2012

Pediatricians practicing in NY would benefit from comparing their current medical malpractice insurance coverage and premiums with that offered by PRI. PRI is one of the leading medical malpractice carriers in NY, insuring over 12,500 physicians and many prestigious health care facilities.

PRI offers very competitive premiums for NY Pediatricians, along with a choice of Occurrence and Claims-Made coverage forms. PRI also offers nose™ or prior-acts™ coverage to those who are currently covered under a claims-made policy with another carrier.

A quick review of the current med-mal policy could end up saving NY Pediatricians over 20% on their medical malpractice premiums! Call PriMed Consulting today at 800.528.3758 or email:

NY Malpractice Insurance: Physicians Reciprocal Insurers (PRI)

17 Sep 2012
17, Sep Sep, 2012

PRI has been a medical malpractice leader in New York State since their founding in 1982. PRI functions as a Reciprocal Insurer, which means that every physician who joins PRI is also an owner of the company. PRI currently insures more than 12,500 doctors as well as some of the most prestigious medical centers in New York with written premiums over $400 million a year, Making PRI one of the largest writers of Medical Malpractice Insurance in the nation.

PRI™s Programs include:

  • Aggressive claims handling
  • Entity Coverage for your PC, LLC, PLLC or your Partnership
  • Claims Made and Occurrence Policies
  • Excess Coverage
  • Nose Coverage
  • Waiver of premium for Tail Coverage
  • Suspension for those doctors under a Claims Made Policy
  • Locum Tenens Coverage
  • Payment Options include quarterly billing with no finance fee, credit card payments and premium finance options

For more information or help with a PRI application, please call PriMed Consulting at 800.528.3758 or email:

Physicians Reciprocal Insurers (PRI) Med-Mal Risk Management Programs & Discounts

10 Sep 2012
10, Sep Sep, 2012

Physicians Reciprocal Insurers is accredited by the Medical Society of the State of New York to sponsor Continuing Medical Education (CME) for physicians. Therefore, those physicians who participate in PRI™s med-mal risk management programs are awarded CME credits.

risk management education programs are available to physicians through online access or, if the physician prefers instructor led environments, at regional local areas.

PRI offers 2 different programs:

  • PRI Basic 5-Hour Program: This course is for those NY physicians who need to satisfy the New York State Insurance Department Excess (Section 18 First Layer Excess Medical Malpractice Insurance Coverage) 5-hour program, and/or for those physicians who are eligible to receive a 5% risk management discount on Their Medical Malpractice Insurance. will be awarded 8 CME credits.
  • PRI 3-Hour Follow Up Program: This course is for those physicians who need to satisfy the New York State Insurance Department Excess 3-hour follow up program, and/or for those physicians who need to renew their 5% risk management discount on their medical malpractice insurance. After completing the course, each physician will be awarded 5 CME credits.

For more information on PRI, please contact PriMed Consulting at 800.528.3758. Email:

Physicians Reciprocal Insurers (PRI) Offers Premium Discount Programs

7 Sep 2012
7, Sep Sep, 2012

Physicians Reciprocal Insurers offers New York State Insurance Department approved Excess and Premium Discount programs. Discounts include:

  • Risk Management Discount
  • Voluntary Attending Physician Discount (Joint Defense Discount)
  • No Consent Discount
  • Part-time Discount
  • New Doctor Discount
  • Annual Pre Pay Option
  • Claims-free Discount
  • Magnacare Discount

For more information, please call PriMed Consulting 800.528.3758. Email:

New York Section 18 First Layer Excess Professional Liability Coverage

5 Sep 2012
5, Sep Sep, 2012

What is the Section 18 Program?

The Excess Medical Malpractice Insurance Program was established by the NY State Insurance Department, and later extended under Section 18 of the Medical Malpractice Reform Act. First layer excess is an additional layer of insurance protection ($1/3 Million) above the standard primary limits of $1.3/3.9 Million. First layer excess coverage is offered at no additional cost to eligible physicians and dentists who meet the following requirements:

  1. You must maintain primary individual limits of $1.3/3.9 Million with a NY State approved carrier
  2. You must complete a qualified risk management course. The RM course also makes you eligible for an additional 5% discount on your primary individual policy.
  3. You must have active privileges at one or more hospitals in NY State.

The application process is simple: Once you have your primary individual coverage ($1.3/3.9M Limits) through a NY State approved carrier, you can submit the excess application to your primary affiliated hospital along with a copy of your primary coverage and a copy of the Risk Management course certificate.

This valuable coverage is provided at no additional cost to you. If for any reason you do not qualify for the free excess coverage, you may be able to purchase and pay for this coverage through an insurance carrier.

For more information and assistance with the application process, you may contact PriMed Consulting at 800.528.3758. Email:

Attention NJ Orthopaedic Surgeons: Princeton Insurance Offers Ortho-Preferred Program

24 Aug 2012
24, Aug Aug, 2012

If you are a NJ Orthopaedic Surgeon, this special medical malpractice insurance coverage may be for you!

Princeton Insurance, a MedPro/Berkshire Hathaway medical malpractice insurance company, has joined with DT Preferred Group, LLC, a risk purchasing group (RPG), to offer a professional liability insurance program designed specifically for NJ Orthopaedic Surgeons. Membership in the Ortho-Preferred program is available for an annual $500 RPG membership fee.

Ortho-Preferred benefits based upon RPG membership include:

  1. Free continuing education opportunity: Free access to a continuing medical education (CME) and a self-assessment examination (SAE) program is provided to help satisfy your maintenance of certification (MOC) requirements (20 total credits) every three years.
  2. Complimentary regional Orthopaedic Association membership: Membership in the Eastern Orthopaedic Association provides Orthopaedic Surgeons with the opportunity to interact both professionally and socially.
  3. Discounted association annual meeting registration: As a member of Ortho-Preferred, you would be eligible to receive up to a $300 discount on the annual meeting registration fees.
  4. Complimentary subscription to the Journal of Surgical Orthopaedic Advances and JSOA Online, including access to 24 CME credits.

For more information on Princeton Insurance’s Ortho-Preferred program, please contact us.

Doctors & Surgeons National Risk Retention Group (DSNRRG) Offers Special Programs

20 Aug 2012
20, Aug Aug, 2012

Doctors & Surgeons National Risk Retention Group provides several focused programs, including hard-to-place circumstances, health care extenders, and specialties. These specialty specific programs put like-minded professionals together to focus on common challenges. They have been designed to enhance efficiency in your practice, reduce your risk exposure, and improve patient experiences.

Current special programs available:

  • Artemis Protective for Aesthetic Medicine

    A professional liability insurance program designed to bring together aesthetic medicine professionals to effectively manage risks, reduce costs, and enhance the practice of aesthetic medicine. Insureds partake in developing patient safety best practices.

  • Cover II for Emergency Medicine

    Emergency medicine doctors not only face the high risks of practicing medicine within the emergency room; they also face high medical malpractice risks. This medical malpractice insurance program offers superior coverage for emergency room doctors and urgent care providers.

  • Special Risks for hard-to-place cases

    There are cases when something out of the ordinary needs to be insured – something that is just a little different. Doctors and Surgeons Risk Retention Group have team members who are dedicated to special hard-to-place medical malpractice risks. With a focused approach To Risk Management and a knack for determining the potential problems likely to crop up, this insurance program will meet the needs of your particular specialty and provide the necessary coverage to keep your practice protected

  • Health Care Extenders for NPs, PAs, and other allied providers

    A medical malpractice insurance program designed to meet the specific coverage needs of physician extenders.

If you are a physician or healthcare organization in NY or NJ looking to obtain special coverage, please contact PriMed. We will be happy to inform you of your options, empower you with informed purchasing decisions, and provide you with medical malpractice coverage solutions that will benefit the health and protection of your practice.

About Doctors & Surgeons

Doctors & Surgeons National Risk Retention Group is a physician member-owned professional liability insurance carrier that was launched in 2007. Doctors & Surgeons is led by physicians and insurance professionals who have extensive experience with RRG operation. From underwriting to claim handling and from finance to risk management, the depth of their knowledge has been pivotal to the company’s rapid growth and success. Doctors & Surgeons’ goal is to provide high-quality insurance coverage, effective risk management programs, and excellent service. As a physician-centric insurance company, they are dedicated to being a stable support for health care professionals.

NY Plastic and Aesthetic Surgeon Alert: New Medical Liability Insurance Coverage Available

15 Aug 2012
15, Aug Aug, 2012

If you are a plastic or aesthetic surgeon seeking options for your medical malpractice insurance coverage, this is for you! There is now a stable, flexible, and cost-effective medical liability insurance coverage option specifically created for your medical specialty.

In February of 2012, Applied Medico-Legal Solutions (AMS), a leading physician risk retention group, launched the Preferred AestheticTM specialty program to offer plastic and aesthetic physicians and practices a unique blend of coverage features and exclusive perks. And, you may also be able to lower your malpractice insurance costs significantly.

What are the member benefits?

  • Full Prior-Acts coverage, as needed
  • Defense costs outside the limits of liability; therefore, you will not reduce your policy limits
  • Full consent to settle is retained by the doctor
  • AMS RRG’s continued financial strength rewards shareholders with tangible benefits and a financial rating of A Prime from Demotech Inc.
  • AMS RRG’s physician-led underwriting process delivers more accurate risk assessments and customized insurance programs
  • Specialty-specific claim and risk management reviews conducted by Dr. Harry Moon, leader of the Preferred Aesthetic Program and Specialty Medical Director for Plastic and Aesthetic Surgery
  • Individual underwriting, including a practice evaluation by a physician and tailored policy terms to meet each group’s specific needs
  • Unparalleled communication with AMS RRG senior staff and decision makers

Resource: AMS RRG Website


Since chartered in 2003, AMS RRG has been offering medical liability insurance to an increasing number of physicians across an expansive range of medical specialties.

AMS RRG is a Medical Malpractice Insurance Company that truly takes a personal interest in its member physicians. With an established reputation, a 95% client retention rate, competitive market rates, and solid risk management advice, AMS RRG is committed to being a long-term presence in the tri-state area.

Need more information about AMS RRG?

Review some frequently asked questions.

As always, feel free to contact us with your unanswered medical malpractice insurance questions.