WHAT IS THE FLORIDA MEDICAL MALPRACTICE JOINT UNDERWRITING ASSOCIATION (FMMJUA)?
The Association is officially an insurance risk apportionment plan created by law (Sec.627.351 F.S.) for the purpose of assuring the availability of medical liability (malpractice) insurance to Florida health care providers. It is structured on a non-profit basis, but otherwise functions in much the same manner as a commercial insurance company with a few notable exceptions. In 1975, the Florida Legislature enacted law authorizing the Association. A number of health care providers found it difficult to obtain necessary insurance coverage for claims brought by patients. It is prudent, and often legally mandated that health care providers be financially responsible for negligent acts. Thus Florida law provides the Association as a source of insurance for those medical providers who may be unable to obtain coverage from the competitive voluntary insurance market. The law provides that the licensed casualty insurance companies in Florida join together to make coverage available from the As
