Medical Liability Alliance (MLA)

Medical Liability Alliance (MLA) is a wholly owned subsidiary of Missouri Hospital Plan (MHP) that provides professional and general liability insurance to hospitals, physicians, allied healthcare providers and other healthcare facilities in Missouri, Kansas and Illinois.

At the request of the MHP Board, MLA was called upon to address the problem brought on by the malpractice crisis of 2002 by making reasonably priced, financially secure, insurance coverage available to physicians practicing at our hospitals. Today, MLA has expanded its services beyond its original physician-only base while gaining a reputation for providing reasonably priced insurance with exceptional value added services to a variety of healthcare policyholders.

MLA is the only company, of the top ten companies serving the medical malpractice sector, which has maintained its market share, while lowering rates, and improving its equity position in a “soft market”. In 2009, MLA developed a unique profit sharing arrangement to return profits to its Quality Caregivers that has increased every year since its inception and is unmatched by any competitors.

Through its wholly-owned licensed agency/broker, ProCon, MLA offers healthcare providers access to competitively priced, financially secure insurance. For healthcare providers or insurance brokers looking to partner with Medical Liability Alliance, please contact Melissa Heaton or Tyge Fourtner at Providers Insurance Consultants, (800-522-2776).

MLA SPECIALIZES IN HEALTHCARE LIABILITY COVERAGE
MLA offers customized professional and general liability insurance programs for healthcare clients of any type and size, with insurance solutions including first dollar coverage, deductible options, and excess limits over self-funded structures or other insured programs.

 

MLA has the capability to write professional and general liability coverage for any type of healthcare provider, specifically:

WHO DOES MLA COVER?
  • HOSPITALS
    • Community
    • Rehabilitation
    • Specialty
    • Acute Care
  • PHYSICIANS
    • Individuals
    • Groups
    • Allied Healthcare Providers
  • CLINICS
    • Community Health Centers
    • Dialysis Centers
    • Emergi-Centers/Urgent Care Clinics
    • Surgery Centers
    • College/university Health Centers
  • LABORATORIES
    • X-Ray/Imaging
    • Medical
    • Pathology
    • Quality Control
    • Dental
  • COUNSELING/REHABILITATION
    • Cardiac Rehabilitation
    • Developmental Disability Rehabilitation
    • Physical or Occupational Rehabilitation
    • Substance Abuse Rehabilitation
    • Trauma Rehabilitation
  • HOME CARE
  • HOSPICE CARE
  • NURSING HOME / LONG TERM CARE FACILITIES
WHAT PROGRAMS/FEATURES DOES MLA OFFER?
  • First Dollar/No Deductible
    • 100% of risk transferred to MLA
  • Deductible Options
    • Lower premium costs for insureds that share in the risk. Deductible options typically range between $5,000 and $250,000
  • Excess Limits
    • Limits in excess of self-insured programs or above existing insurance programs
  • PROGRAM FEATURES
    • Broad Claims-made coverage
    • Prior acts coverage available
    • Locum Tenens Coverage
    • Military Deferment
    • Defense costs paid in addition to limit
    • Defense for Medicaid/Medicare fraud suits
    • Extended Reporting Endorsement
    • Guaranteed Availability
    • Death, Disability, or Retirement Benefit Program
    • Unlimited Duration
    • Consent to Settle
    • Joint defense physician option
    • Worldwide Coverage (if sued in US)
    • Complementary Cyber Coverage for Eligible Insureds
WHY CHOOSE MLA?
  • QUALITY CAREGIVER PROFIT SHARING PLAN
    • MLA believes good results should be shared with the customers that contributed to overall success of the company
    • Insureds qualify who renew their coverage after the first year and have a loss ratio less than 80%
    • Profit sharing checks are presented to qualifying insureds upon renewal
    • Profits have been shared every year since 2009
    • Payouts increased every year since 2009
    • Quality Caregiver Profit Sharing
      • 18.5% of Premium Returned in 2016
  • PRICING BENEFITS
    • Risk Management Premium Credits
    • Claims-Free Discount
    • Part-time Credits
    • Deductible Credits
    • Experience Rating
    • Recent Medical School Graduate Credit
    • Flexible Payment Plans With No Additional Installment Charges
    • Optional Defense Deductible Waived for Joint Defense
    • Split Classification Rating
  • STRENGTH, SECURITY, STABILITY
    • 40 Years of Successful Operations
    • A.M. Best “A” (Excellent) Rating
    • Excellent Rated Reinsurance
    • Physicians on Independent Board of Directors
    • Non-Assessable Mutual Stock Company
    • Represented by Leading Defense Counsel Throughout Missouri
    • Formed by and for Healthcare Providers
    • Financial Strength: Only top 10 Med-Mal Insurer to:
      • Increase Market Share. . . and
      • Lower Rates. . . and
      • Improve Equity. . . and
      • Return Profits

WE’RE SO MUCH MORE…

FREE ACCESS TO EXTENSIVE RESOURCES
  • VALUE ADDED SERVICES: LEGAL SERVICES AND CLAIMS
    • 24/7 Claim Hotline
    • Step-by-Step Claim Management
    • Legal representation for licensure proceedings
    • Legal representation for government investigations
    • Deposition and subpoena preparation by an attorney
    • Personalized, annual claim reviews
    • Dedicated, individualized service
    • Knowledgeable, experienced defense partners
    • Open communication
  • VALUE ADDED SERVICES: RISK MANAGEMENT AND PATIENT SAFETY RESOURCES
    • On-site education
    • On-site risk assessment and consultative services
    • Group education seminars
    • Online Education (ELM Exchange)
    • Free online CMEs for physicians
    • Free online CEUs for nurses
    • Website resources
    • Media library
    • Monthly webinars
    • Newsletters
    • CONCEPTS: Guiding Principles for Clinical Risk Management
    • HEALS (Healthcare Event Assistance & Lending Support) Program
    • HIPAA Privacy and Security Rule Audit Tool (SRAT)
    • 24/7 Adverse Outcome Hotline
    • Risk Management Discussion Forum (Coming Soon)

For more information on MLA’s quality caregiver profit sharing plan or Healthcare Liability coverage, please call Providers Insurance Consultants at 800-522-2776