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Direct Pay Excess Liability Coverage

If you do not qualify for the NYS Excess Liability Program, a “Direct Pay” policy may be an option. In addition to your primary medical malpractice coverage, this policy can provide claims protection of an additional $1 million dollars per incident / $3 million aggregate per policy year.

Effective 7/1/2017, Healthcare Professionals Insurance Company will no longer offer direct pay excess liability coverage. HPIC has made arrangements with Medical Liability Mutual Insurance Company (MLMIC) to provide this coverage going forward to HPIC's Direct Pay insureds. HPIC will mail its policyholders information regarding this seamless transition on May 1, 2017 and is assisting in continuing their excess coverage with MLMIC effective July 1, 2017. 

Applications for physicians not covered by HPIC in the 2016 - 2017 policy year, who are interested in the direct pay option can call MLMIC at 1.888.672.1844 or by visiting the MLMIC website at the following link:

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Differences from NYS Excess Liability Program

You do not need to be affiliated with a NYS hospital to obtain this insurance coverage.
You are encouraged to participate in a risk management course, but it is not mandatory.
The underlying limits need only to be $1 million per incident / $3 million aggregate.


Your premiums are based on your specialty and the county in which you practice.  Please contact MLMIC at 1.888.672.1844 for a premium quote.