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Kansas Medical Malpractice Insurance

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Cunningham Group is here for Kansas 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 Kansas Malpractice Insurance Marketplace Guide

Kansas Med-Mal Fast Facts

  • Most Common Limits of Liability: $200,000/$600,000
  • Major Malpractice Insurers:
    • Kansas Medical Mutual Ins. Co.
    • Medical Protective Co.
    • MMIC Insurance Inc.
    • Zurich American Insurance Co.
    • Health Care Indemnity Inc.
  • Cost of Medical Malpractice Insurance: Low
  • Pending State Legislation in 2021 that could affect your rates?: No

The Kansas Malpractice Landscape

Kansas has an enviable malpractice landscape. Not only does the state have many carriers, but it also has a patient compensation fund (so physicians do not need to carry as much insurance) and a cap on noneconomic damages. All these factors have helped to keep Kansas malpractice premiums quite low in comparison to other states.

Tort Reform in Kansas

Kansas has passed many reforms over the years, beginning with the 1976 Health Care Provider Insurance Availability (HCPIA) Act. The HCPIA required all hospitals and healthcare workers to purchase claims-made professional liability insurance and to participate in the funding of the newly-created Health Care Stabilization Fund (HCSF) by paying a surcharge on their medical liability insurance. Kansas physicians must also purchase tail coverage from the HCSF upon retirement or if they move to another state. The Kansas HCSF is one of only eight patient compensation funds in the country. It provides medical malpractice coverage in excess of the primary insurance requirement of $200,000 per claim/$600,000 per year. Healthcare providers are required to participate in the fund, and must choose one of three options for additional coverage: $100,000/$300,000, $300,000/$900,000 or $800,000/$2.4 million. Healthcare providers are charged a surcharge on their premium based on the option that they choose, with the surcharge funding the HCSF.

In 1986, Kansas amended the HCPIA Act, adding a limit of $1 million on total damages, including a $250,000 cap on noneconomic damages. Though the Kansas Supreme Court has ruled the limit on total damages to be unconstitutional, the noneconomic cap is still in place. It is set to gradually increase to $350,000 by July 2022 to keep pace with inflation.

Does Kansas have…

  • Damage Caps? Yes, noneconomic damages are capped at $250,000. The cap is set to gradually increase by July 2022 to keep pace with inflation.
  • Patient Compensation Fund? Yes; see details above.
  • Apology Law? No
  • Collateral Source Reform? No
  • Periodic Payments? Not mandated
  • Joint Liability Reform? Yes, defendants are only responsible for their portion of negligence.
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in Kansas


Due to its strong medical liability reforms, medical malpractice insurance premiums in Kansas are low. Specialists like obstetricians will pay less than $50,000 in yearly premium and general practitioners premiums are under $10,000 per year.

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

Coverage by Kansas County

Rates are constant across the 105 counties of Kansas. Whether a practice is located in Overland Park in Johnson County, Wichita in Sedgwick County or in tiny Greeley County (population 1,298) physicians will pay the same low rates.

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