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Maryland Medical Malpractice Insurance

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Cunningham Group is here for Maryland 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 Maryland Malpractice Insurance Marketplace Guide

Maryland Med-Mal Fast Facts

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

The Maryland Malpractice Landscape

The state moved n a positive direction in 2020, when the Court of Appeals of Maryland adopted the Daubert standard for admitting expert testimony. In the 4-to-3 majority opinion, the Court of Appeals held that Maryland will now “implement a single standard by which courts evaluate all expert testimony: Daubert.” Under the Daubert standard, the factors to be considered when determining whether expert testimony may be admitted at trial include (1) whether the theory or technique in question can be and has been tested; (2) whether it has been subjected to peer review and publication; (3) its known or potential error rate; (4) the existence and maintenance of standards controlling its operation; and (5) whether it has attracted widespread acceptance within a relevant scientific community. Maryland had previously applied the Frye standard for admitting expert testimony, which required the expert opinion to be only “generally accepted” as reliable in the scientific community. With the Court of Appeals decision, Maryland joins 40 other states to implement some form of the Daubert standard for admitting expert testimony.

Medical malpractice insurance premiums in Maryland are among the highest in the nation, despite having had a cap on noneconomic damages for malpractice cases since 1986. The state experienced a crisis in the mid-2000s when Medical Mutual Liability Society of Maryland – the largest malpractice insurer in the state – increased rates for some specialties by as much as 91 percent. The Maryland Medical Society (known as MedChi) responded by holding a physician rally on the steps of the statehouse to protest the rate hikes. The protest and subsequent formation of the Alliance to Preserve Access to Healthcare got the attention of lawmakers, but further reform was a slow process. Many physicians and groups continued to agitate for reform, and, eventually the Maryland Patients’ Access to Quality Healthcare Act of 2004 was passed during a special legislative session held between Christmas and New Year’s Day. The Act included many reforms that were positive for the healthcare community; however, many felt that the reforms were diluted and did not go far enough in protecting physicians and other healthcare providers.

Tort Reform in Maryland

Maryland has had a cap on noneconomic damages for medical malpractice cases since 1986. Originally, the amount of damages was capped at $500,000; in 2005, that cap was increased to $650,000, and, since 2009, the cap has increased by $15,000 each year. Currently, it is set at $812,500. There is no limit to total damages in Maryland. Other reforms in the Old Line State include an arbitration system, a requirement for a plaintiff to file a certificate of merit within 90 days of filing a malpractice claim and the creation of a $40 million rate stabilization fund to help keep malpractice insurance more affordable for physicians.

Does Maryland have...

  • Damage Caps? Yes, noneconomic damages are currently capped at $812,500, with the cap set to increase $15,000 each year.
  • Patient Compensation Fund? No
  • Apology Law? Yes, an expression of regret or apology made by or on behalf of a healthcare provider can be made, either in writing, orally or by conduct. Statements or admissions of fault are not covered under this provision, and will be admissible in court.
  • Collateral Source Reform? No
  • Periodic Payments? Yes, courts and arbitrators can order periodic payments.
  • Joint Liability Reform? No
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in Maryland


Medical malpractice rates in Maryland are quite high. Specialists like obstetricians will frequently need to pay premiums of $100,000 or more per year and general surgeon rates are also high, generally in excess of $50,000 depending on practice location. Rates have remained steady in recent years.

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 Old Line 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 Maryland physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Maryland County

Rates vary a great deal across the state of Maryland. The highest rates are found in Baltimore City & County, as well as the counties bordering Washington, D.C., including Howard, Anne Arundel, Montgomery and Prince George’s.

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