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Maine Medical Malpractice Insurance

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Cunningham Group is here for Maine 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 Maine Malpractice Insurance Marketplace Guide

Maine Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • Medical Mutual Ins. Co. of ME
    • ProSelect Insurance Co.
    • Preferred Professional Ins. Co.
    • American Casualty Co. of Reading PA
    • National Fire & Marine Ins Co.
  • Cost of Medical Malpractice Insurance: Moderate

The Maine Malpractice Landscape

Maine’s malpractice marketplace is dominated by Medical Mutual Insurance Company of Maine, which holds more than 60 percent of the malpractice premium in the state. However, their share has fallen in recent years, with other insurers beginning to gain more market share. This has not resulted in lower premiums in the state, however, with Maine being one of the few states to have rate increases in recent years. However, these increases have been moderate and the state still enjoys lower-priced premiums when compared with much of the country.

Tort Reform in Maine

Maine has passed a few tort reforms which have affected its medical liability system. Though there are no caps regarding medical malpractice cases specifically, the state does have a cap on noneconomic damages of $500,000 for wrongful death cases. Additionally, all medical malpractice cases are subjected to a mandatory pre-litigation screening panel, which consists of a chair person, an attorney and a healthcare provider. The panel reviews the case and submits a written opinion on the case. The opinion is confidential, but can be used in court under some circumstances. Other reforms include allowing evidence of collateral payment sources to be submitted and used to reduce the amount of a verdict, limits on attorney fees and protections for healthcare providers making statements of apology to an alleged victim.

Does Maine have…

  • Damage Caps? Yes, Maine has a $500,000 noneconomic damages cap in wrongful death cases. There is no damage cap specific to medical malpractice cases.
  • Patient Compensation Fund? No
  • Apology Law? Yes, healthcare providers can make statements, affirmations, gestures or conduct to express apology and sympathy to an alleged victim. Statements of fault are admissible in court.
  • Collateral Source Reform? Yes, evidence of collateral sources can be submitted following a verdict, with the judgment being reduced by the amount received through collateral sources.
  • Periodic Payments? Yes, in cases where damages exceed $250,000, any party can request periodic payments.
  • Joint Liability Reform? No
  • Limits on Plaintiff Attorney’s Fees? Yes, fees are limited to 1/3 of the first $100,000; 25 percent of the next $100,000; and 20 percent of amounts over $200,000.

Medical Malpractice Rates in Maine

Overview

Medical malpractice rates in Maine are moderate. General practitioners should be able to find policies for less than $12,000 per year in premium, with rates for surgeons in the mid-30s.

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 Pine Tree 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 Maine physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Maine County

Medical malpractice rates are constant across the 16 counties of mostly-rural Maine. Larger counties like Cumberland County, which includes the city of Portland, have the same moderate rates as the rest of the state.

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