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Iowa Medical Malpractice Insurance

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  • Read the Latest 2017 Marketplace Guide
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Cunningham Group is here for Iowa 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.

EXPERIENCED
Founded in 1947, our experienced liability specialists will customize a policy to the specific needs of you and your practice.
PHYSICIAN DISCOUNTS
Get all the physician discounts you are entitled to, including: Risk Management, Claims-free and New to Practice.
PRIOR ACTS COVERAGE
We ensure you receive Prior Acts, so you avoid purchasing separate tail malpractice coverage.
HISTORIC MED-MAL RATE DATA
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.
FREE TOOLS & RESOURCES
Access to ALL MD, our network of Connecticut healthcare defense lawyers. Free Practice Tools, including Online Patient Satisfaction Survey System and Risk Management tools.
CUSTOMER SERVICE
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.

2017 Iowa Malpractice Insurance Marketplace Guide

Iowa Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • MMIC Insurance Inc.
    • Lexington Insurance Co.
    • ProAssurance Casualty Co.
    • Medical Protective Co.
    • Columbia Casualty Co.
  • Cost of Medical Malpractice Insurance: Low

The Iowa Malpractice Landscape

The Iowa malpractice landscape is a good one for physicians. Premiums are among the lowest in the country, and, when physicians are sued, Iowa juries have shown an unwillingness to dole out large ‘jackpot justice’ verdicts. Iowa ranked fourth overall on the Institute for Legal Reform’s 2015 report, Ranking the States: A Survey of the Fairness and Reasonableness of State Liability Systems. The Institute for Legal Reform is an affiliate of the U.S. Chamber of Commerce, and regularly publishes an updated ranking of state tort systems. Iowa’s ranking increased from tenth in 2012 to fourth in 2015.

Tort Reform in Iowa

Iowa’s positive medical liability climate is not due to tort reform, as Iowa has passed relatively few major reforms. The state does not have a damage cap, nor was a 2013 effort to establish physician review panels to screen medical liability suits for merit successful. Iowa has made reforms to joint and several liability, with defendants who are less than 50% liable being responsible only for their portion, and the state also requires collateral sources to be considered when making awards.

Does Iowa have…

  • Damage Caps? No
  • Patient Compensation Fund? No
  • Apology Law? Yes, any statement, affirmation, gesture or conduct expressing sorrow, sympathy, commiseration, condolence, compassion or a general sense of benevolence can be made to a plaintiff, relative of a plaintiff or a decision maker for the plaintiff.
  • Collateral Source Reform? Yes, damages must be reduced by the amount received from collateral sources.
  • Periodic Payments? Yes, any party can request periodic payments, with the court determining the reasonableness of the request.
  • Joint Liability Reform? Yes, a defendant who is less than 50 percent at fault is only proportionally responsible for his or her share of negligence. Defendants who are 50 percent or more liable are jointly and severally liable for economic damages only.
  • Limits on Plaintiff Attorney’s Fees? No, but courts can determine whether fees are reasonable.

Medical Malpractice Rates in Iowa

Overview

Medical malpractice rates in Iowa are among the lowest in the country. Specialists like obstetricians can find policies with premiums of well under $50,000 and general practitioners will usually pay less than $10,000 per year in premium.

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

Coverage by Iowa County

Rates are the same across the 99 counties of Iowa. Physicians in more urban areas like Des Moines in Polk County or Cedar Rapids in Linn County will pay the same low rates as their rural colleagues.

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