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Michigan Medical Malpractice Insurance

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  • Read the Latest 2017 Marketplace Guide
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Cunningham Group is here for Michigan 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 Michigan Malpractice Insurance Marketplace Guide

Michigan Med-Mal Fast Facts

  • Most Common Limits of Liability: $200,000/$600,000
  • Major Malpractice Insurers:
    • MHA Insurance Co. (a Coverys company)
    • The Doctors Company
    • ProAssurance Casualty Co.
    • Michigan Professional Insurance Exchange
    • Medical Protective Co.
  • Cost of medical malpractice insurance: High

The Michigan Malpractice Landscape

Michigan enjoys a stable medical malpractice landscape with many options for physicians. No single carrier dominates the Michigan market, so there is lots of competition, which has helped keep premiums from getting too high. Additionally, many successful tort reforms have been implemented, further stabilizing the Michigan marketplace. Traditionally, Michigan physicians have carried limits of $200,000/$600,000, but many are now switching over to higher limits of $1 million/$3 million.

Tort Reform in Michigan

Michigan’s stable medical liability climate can be put down to several tort reforms that the Wolverine State has passed since the mid-1980s. Prior to these reforms, Michiganders were experiencing a serious access-to-healthcare dilemma. Medical malpractice claims in the state had spiraled upward from ten per 100 doctors in 1979 to 25 per 100 by 1985—an increase of 150 percent in just six years. From 1970 to 1984, the large Detroit metro-area counties of Wayne, Oakland and Macomb had seen their malpractice filings jump 1,100 percent. Medical professional liability insurance premiums had also doubled between 1980 and 1984; growing even faster in the higher-risk specialties. In response, Michigan physicians were shying away from high-risk procedures. In 1985, 42 percent of Michigan family physicians reported they had either ceased delivering babies or reduced the number they delivered; an even higher percentage of doctors reported that they had cut back on surgery and treating patients likely to require intensive care.

In response to cries from the healthcare community, the Michigan legislature passed Public Act 178, a bipartisan piece of legislation that introduced several major changes to the state’s tort law. The 1986 reforms included venue reform, requiring lawsuits to be filed in the county where the alleged injury occurred; joint-and-several liability reform; a higher standard for expert testimony; and, perhaps most important, a cap of $225,000 on noneconomic damages. Michigan has periodically strengthened these reforms. In 1993, Public Act 78 was passed, which increased the non-economic damages cap to $280,000, but also got rid of many exceptions to the cap, which had been left in the 1986 reforms. Public Act 78 also increased standards for expert testimony, required all medical malpractice plaintiffs to file an affidavit of merit and permitted binding arbitration for medical malpractice cases that involved damages not in excess of $75,000. Michigan’s noneconomic damage cap has increased periodically to keep pace with inflation. It currently stands at $438,800 for most injuries and at $783,500 for certain permanent disabilities, such as permanent cognitive disability or paralysis.

Does Michigan have...

  • Damage Caps? Yes, the current noneconomic damage cap is $438,800 for most medical malpractice cases and $783,500 for cases with permanent disabilities, such as cognitive impairment or paralysis.
  • Patient Compensation Fund? No
  • Apology Law? Yes, a statement, writing or action that expresses sympathy, compassion, commiseration or a general sense of benevolence to a person or that person’s family on the pain, suffering or death of an individual. Statements of fault, negligence or culpable conduct are admissible.
  • Collateral Source Reform? Yes, benefits from collateral sources must be disclosed and used to reduce recoverable economic damages, not including any amount paid by the claimant to secure the benefit.
  • Periodic Payments? No
  • Joint Liability Reform? No
  • Limits on Plaintiff Attorney’s Fees? Yes, contingency fees are limited to 1/3 of total compensation.

Medical Malpractice Rates in Michigan

Overview

Medical malpractice rates in Michigan are high on average, but much depends on practice location. In some locales, obstetricians might pay $100,000 or more in yearly premium, but in other counties, policies are available for well under half that amount.

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

Coverage by Michigan County

Rates in Wayne, Macomb and Oakland Counties are substantially higher than the rest of Michigan. These counties include the city of Detroit and surrounding areas. Rates in the rest of the state tend to be more moderate.

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