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Arizona Medical Malpractice Insurance

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Cunningham Group is here for Arizona 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 Arizona Malpractice Insurance Marketplace Guide

Arizona Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • Mutual Insurance Co. of AZ
    • Medical Protective Co.
    • Lexington Insurance Co.
    • Pfd Physicians Med RRG Inc
    • The Doctors Company
  • Cost of Medical Malpractice Insurance: High
  • Pending State Legislation in 2021 that could affect your rates?: No

The Arizona Malpractice Landscape

Arizona has relatively expensive medical malpractice premiums, and that doesn’t look to be changing anytime soon. Policies are available from a variety of carriers, which is beneficial to physicians, but barriers to passing medical liability reforms have proved difficult to overcome. According to data from the National Practitioner Databank (NPDB), Arizona has fewer medical malpractice claims per 100 physicians than the national average; in 2014, Arizona had 0.61 claims per 100 physicians, compared to the U.S. figure of 0.93. Arizona also spent less per capita to pay out medical malpractice claims than the national average, at per capita $7.53 compared to $9.98 nationwide. Despite these positive figures, rates in Arizona have stayed higher in comparison to many other states.

Tort Reform in Arizona

Medical liability reform has not been successful in Arizona, but it hasn’t been for lack of trying. Arizona is one of several states with a constitution which specifically limits the ability of its legislative branch to pass tort reforms. There are three specific sections in the Arizona constitution that explicitly void the legislature’s ability to pass laws restricting access to the court system and/or compensation for injury as determined by a jury, including two sections that prohibit the legislature from limiting the amount of recoverable damages in tort cases. Lawmakers attempted ballot initiatives to change the constitution’s language in 1986, 1990 and 1994, but were defeated each time. More limited reforms have passed in Arizona, including a 2010 law to reform the standards for expert witness testimony and evidence. In 2017, the state Supreme Court clarified questions about the qualifications of expert witnesses in medical malpractice lawsuits. According to the court, an expert witness must have been engaged in active clinical practice or teaching the year immediately preceding the injury.

Frustrated by his state’s constitutional restriction on restricting the size of jury verdicts in medical malpractice cases, Republican Gov. Doug Ducey has been one of the most-vocal governors to support the federal Protecting Access to Care Act, which would create a $250,000 cap on noneconomic damages in medical liability lawsuits, among other provisions that would preempt state laws governing medical malpractice lawsuits in the areas of statutes of limitation, joint and several liability, product liability and attorney contingency fees. The Protecting Access to Care Act was passed by the U.S. House of Representatives in June of 2017, but did not receive a vote in the Senate.

Does Arizona have…

  • Damage Caps? No, damage caps are prohibited by the state constitution.
  • Patient Compensation Fund? No
  • Apology Law? Yes, Arizona physicians and healthcare workers can make statements and gestures expressing apology, responsibility, liability, sympathy, commiseration, condolence, compassion or general benevolence to patients, patent’s relatives and/or survivors or healthcare decision-makers for the patient.
  • Collateral Source Reform? Use of collateral sources is discretionary. Defendants can submit evidence of collateral sources of payments, and claimants can show evidence of amounts paid to secure benefits, such as insurance premiums and copays.
  • Periodic Payments? Yes, a judge must order periodic payments at the request of either party.
  • Joint Liability Reform? Yes, defendants are responsible only for their portion of negligence, except in cases where the defendant acted in concert or as an agent or servant of a party.
  • Limits on Plaintiff Attorney’s Fees? No, but either party can request for the court to review the reasonableness of each party’s attorney’s fees.

Medical Malpractice Rates in Arizona


Medical malpractice rates in Arizona are fairly high. Though rates do not approach the amounts seen in states like New York and Illinois, they are higher than many other states in the region.

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 Grand Canyon 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 Arizona physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Arizona County

Rates are the same across the 15 counties of Arizona. Rates for physicians in Pima County, which includes Tucson, and Maricopa County, where Phoenix is located, will be the same as those in more rural parts of the state.

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