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Illinois Medical Malpractice Insurance

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Cunningham Group Insurance Services, Elmwood Park, IL

Cunningham Group is here for Illinois 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 Illinois Malpractice Insurance Marketplace Guide

Illinois Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • ISMIE Mutual Insurance Co.
    • The Doctors Company
    • Medical Protective Co.
    • Lexington Insurance Co.
    • NORCAL Mutual Insurance Co.
  • Cost of Medical Malpractice Insurance: Very high
  • Pending State Legislation in 2021 that could affect your rates?: No

The Illinois Malpractice Landscape

Illinois has a complex medical malpractice landscape. Illinois State Medical Insurance Exchange (ISMIE) is the dominant insurer in the state, covering more than half of Illinois physicians. ISMIE was founded in 1976 by the Illinois State Medical Society in response to the medical malpractice crisis of the mid-1970s. Since then, many other companies have joined ISMIE in providing medical malpractice insurance to Illinois physicians.

Premiums in Illinois tend to be high in comparison to other states. Illinois is frequently cited as having one of the worst legal climates for tort-related cases in the country, including medical malpractice cases, which helps keep premiums high. According to the 2015 report, Ranking the States: A Survey of the Fairness and Reasonableness of State Liability Systems, from the Institute for Legal Reform (ILR), an affiliate of the U.S. Chamber of Commerce, Illinois ranked 48 in the fairness and reasonableness of its liability system. In particular, Cook County, which includes Chicago and surrounding areas, is known for having large jury awards (including for medical malpractice suits) and Madison County, in southwest Illinois, was 5th on the ILR’s 2015 list of Judicial Hellholes, due to its status as a haven for personal injury lawsuits and concerns about corruption and fairness in the county.

Tort Reform in Illinois

Tort reform has been attempted many times in Illinois, with varying degrees of success. In 2005, the Medical Liability Reform Act was passed, which capped the amount of damages a patient could receive for pain and suffering at $500,000 from a physician and $1,000,000 from a hospital. It did not cap the total amount of an award. In 2010, the Illinois State Supreme Court found the damage cap to be unconstitutional. In 2013, the Illinois State Medical Society pushed Senate Bill 2160, which would have reinstated many provisions of the Medical Liability Reform Act, as well as instituted further reforms. The bill did not pass.

Does Illinois have...

  • Damage Caps? No, previous caps on noneconomic damages were found to be unconstitutional in 2010.
  • Patient Compensation Fund? No
  • Apology Law? No
  • Collateral Source Reform? Yes, only for medical malpractice claims. Judgments will be offset using collateral sources by 50 percent of lost wages and 100 percent of medical benefits received, minus any amount paid by the claimant to secure the benefit. The total judgment cannot be reduced by more than 50 percent.
  • Periodic Payments? No, Illinois had provisions for periodic payments, but these were found to be unconstitutional in 2010.
  • Joint Liability Reform? No
  • Limits on Plaintiff Attorney’s Fees? Yes, fees are limited to 1/3 of the plaintiff’s award.

Medical Malpractice Rates in Illinois


Medical malpractice rates in Illinois are very high. Though rates have generally held steady in recent years, premiums for specialists like obstetricians often top out at well over $100,000 per year depending on location. Even for general practitioners, premiums in the Prairie State can approach $40,000 per year depending on practice location.

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 Prairie 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 Illinois physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Illinois County

Rates vary greatly by county in Illinois, with Cook, Jackson and Will Counties (which include Chicago and surrounding suburbs) as well as Madison and St. Clair counties being especially high. An insurance policy in these counties might be double or more the cost of a similar policy in other Illinois counties.

Ready to start saving on your medical malpractice insurance premiums?

Get a free, no-obligation quote from Cunningham Group and get the cost-effective coverage you need!