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Alabama Medical Malpractice Insurance

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Cunningham Group Insurance Services, Elmwood Park, IL

Cunningham Group is here for Alabama Physicians & Medical Professionals

We are Medical Malpractice Insurance Specialists helping physicians, medical professionals and medical groups across specialties get medical malpractice coverage at cost-effective rates – as well as providing valuable tools and resources.

Founded in 1947, our experienced liability specialists will customize a policy to the specific needs of you and your practice.
Get all the physician discounts you are entitled to, including: Risk Management, Claims-free and New to Practice.
We ensure you receive Prior Acts, so you avoid purchasing separate tail malpractice coverage.
We publish historic rate data for every county in the State, in partnership with the Medical Liability Monitor – the nation’s leading independent source of Medical Liability Insurance and healthcare industry news.
Access to ALL MD, our network of Connecticut healthcare defense lawyers. Free Practice Tools, including Online Patient Satisfaction Survey System and Risk Management tools.
Experience excellent customer service with our dedicated account team.

Cunningham Group Has You Covered

On average, Cunningham Group saves Physicians and Medical Professionals 20% on their medical malpractice insurance.

2021 Alabama Malpractice Insurance Marketplace Guide

Alabama Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • ProAssurance Indemnity Co.
    • MAG Mutual Insurance Co.
    • Centennial Casualty Co.
    • Coastal Insurance Co.
    • Medical Protective Co.
  • Cost of Medical Malpractice Insurance: Moderate
  • Pending State Legislation in 2021 that could affect your rates?: No

The Alabama Malpractice Landscape

The medical malpractice landscape in Alabama has become a much more positive place for physicians in recent years. Premiums are among the lowest in the nation, with new insurers entering the market and rates remaining steady in recent years. Though still known as a state likely to hand down large awards in tort cases, Alabama has also passed important tort reform legislation, including reforms to its medical liability system.

Tort Reform in Alabama

In 1987, Alabama passed laws intended to curb the high jury verdicts in medical malpractice cases. Those laws required a plaintiff to show by “clear and convincing” evidence that a defendant acted with “wanton” conduct for the recovery of punitive damages and limited the award of punitive damages to $250,000, limited the award of noneconomic damages to $400,000 and limited the award of damages in medical liability cases to $1 million. Almost immediately the new laws restricting recoverable damages were contested by trial lawyers, and in 1991 the caps on punitive and noneconomic damages were overturned by the Alabama Supreme Court on the grounds that limiting damage awards in healthcare liability actions violated the right to a jury trial and equal protection provisions of the state constitution. Five years later, the Alabama Supreme Court overturned the damage limits in wrongful death liability actions on identical grounds.

Tort reform efforts remained mostly stagnant following these defeats, until, in 2010, an influx of newly-elected “Tea Party-types” took office. These new legislatures showed a renewed enthusiasm for lawsuit reform and five new tort reform bills were quickly signed into law during the 2011 legislative session. These included reductions to the statute of repose in civil cases from 13 years to seven (similar to a statute of limitations in criminal cases); prohibited forum-shopping in wrongful death lawsuits; and changed the state’s expert witness rules to conform to stricter federal standards.

Tort reform aside, Alabama is a very physician-friendly state when it comes to medical malpractice claims. Around 90 percent of malpractice claims that reach trial are decided in favor of the defendant physician, and a recent study of claim data from the National Practitioner Data Base (NPDB) found that — between 2004 and 2014 — Alabamans received fewer payments per capita in medical liability cases than any other state. During that decade, there were only 169 medical malpractice payments per one million residents. By contrast, New York experienced 1,082 medical malpractice payments per one million residents during that same time period.

Does Alabama have...

  • Damage Caps? No, previous caps were declared unconstitutional.
  • Patient Compensation Fund? No
  • Apology Law? Yes, Alabama physicians and healthcare providers can express apology, sympathy, compassion, commiseration or benevolence, either orally, in writing or by their conduct, to a patient, patient’s relative or patient’s legal representative without it being admissible in court.
  • Collateral Source Reform? Yes, collateral sources of payments are considered in Alabama judgments.
  • Periodic Payments? Yes, for future damages in excess of $150,000.
  • Joint Liability Reform? No
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in Alabama


Medical malpractice rates in Alabama are moderate, with physicians in a variety of specialties paying much less in premium than in many other states. Alabama has had an influx of new insurers to the marketplace during recent years, which has made rates even more competitive.

Get Historic Rates

By combining our efforts with those of the Medical Liability Monitor – the nation’s leading independent source of Medical Liability Insurance news, as well as the political, legal and risk management issues that affect the healthcare industry – we’ve published historic rate data for every county in the Heart of Dixie State. You can view all the rates by completing the three simple steps on the left of this page. You’ll find the insights offered by this information invaluable when making your decision on your medical malpractice insurance coverage and carriers. This is only one of the many reasons that Cunningham Group Insurance has become the preferred online source for Alabama physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Alabama County

Rates are steady across Alabama’s 67 counties. Physicians practicing in populous counties like Jefferson County (which includes Birmingham, Alabama’s largest city) and Mobile County enjoy the same low rates as doctors in Perry County or Greene County.

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