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District of Columbia Medical Malpractice Insurance

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  • Read the Latest 2021 Marketplace Guide
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Cunningham Group is here for Washington, D.C, 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 Washington, D.C. Malpractice Insurance Marketplace Guide

D.C. Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • ProAssurance Indemnity Co.
    • The Doctors Company
    • MCIC VT (A Reciprocal RRG)
    • Professionals Advocate Ins. Co.
    • Lexington Insurance Co.
  • Cost of Medical Malpractice Insurance: Very High
  • Pending DC Legislation in 2021 that could affect your rates?: No

The District of Columbia Malpractice Landscape

Washington, D.C. has historically had an unstable medical malpractice landscape. The legislature has failed to pass any tort reform measures in the District of Columbia, and the tough market is further exacerbated by the low number of insurers in the District, which has only four admitted carriers. With specialists like obstetricians facing yearly premiums in the neighborhood of $150,000, many D.C. physicians are opting to relocate their practices to nearby states like Maryland or Virginia, or have stopped doing high-risk procedures.

Tort Reform in the District of Columbia

There has been no meaningful tort reform passed for Washington, D.C. The District has no caps on damages and is known for large awards. A statute allowing for physicians to make expressions of sympathy or regret for poor medical outcomes (without such statements being admissible in court) was passed in 2007.

Does Washington, D.C. have…

  • Damage Caps? No
  • Patient Compensation Fund? No
  • Apology Law? Yes, in cases of alleged malpractice, expressions of sympathy or regret can be made in writing, orally or by conduct to the victim, their family, or anyone who claims damages through that victim.
  • Collateral Source Reform? No
  • Periodic Payments? Yes, but not mandatory.
  • Joint Liability Reform? No
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in Washington, D.C.


Physicians in Washington, D.C. pay high medical malpractice premiums. Premiums for obstetricians tend to be about $150,000, with general surgeons paying about half that amount.

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 Washington, D.C. 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 D.C. physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Washington, D.C. County

The District of Columbia is not divided into counties, so there is no variation in rates. See rates for Washington, D.C. below.

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