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Minnesota Medical Malpractice Insurance

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Cunningham Group is here for Minnesota 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 Minnesota Malpractice Insurance Marketplace Guide

Minnesota Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • MMIC Insurance Inc.
    • American Excess Ins. Exchange RRG
    • Continental Casualty Co.
    • American Casualty Co. of Reading PA
    • ProAssurance Casualty Co.
  • Cost of Medical Malpractice Insurance: Low
  • Pending State Legislation in 2021 that could affect your rates?: No

The Minnesota Malpractice Landscape

Minnesota enjoys some of the lowest malpractice premiums in the country. Large jury awards are uncommon and the overall number of medical malpractice lawsuits is low. Minnesota’s enviable malpractice climate may be due to many factors. Though the state has not passed damage caps for medical malpractice suits, it has carried out several tort reforms which have helped to foster a positive climate for physicians and the healthcare industry. The state has also implemented procedures to encourage more malpractice insurers to enter its market to increase competition and drive down premium costs. Minnesota has long been dominated by Midwest Medical Insurance Company (MMIC), with MMIC controlling more than 60% of the state’s marketplace, but in recent years, several physician-run insurers have begun offering medical malpractice policies in the North Star State.

Tort Reform in Minnesota

Minnesota’s major medical liability reform was passed in 1986 through Statute 145.682, which was enacted to help remedy the rising cost of medical malpractice insurance by reducing frivolous lawsuits. The statute requires an affidavit of merit from an expert demonstrating that the expert believes that the plaintiff has a valid claim. Another affidavit listing expert witnesses must be served upon the defendant within 180 days after commencement of the suit. The Minnesota Supreme Court has upheld the precedent of case dismissal if a plaintiff fails to obtain sufficient certification of expert review, and this legislation has had a notable effect on the expense of defending against frivolous lawsuits.

Does Minnesota have...

  • Damage Caps? No
  • Patient Compensation Fund? No
  • Apology Law? Yes, statements, affirmations, gestures or conduct expressing apology, sympathy, commiseration, condolence, compassion, or a general sense of benevolence can be made to an alleged victim or the relative or representative of an alleged victim. Admissions of fault are admissible in court.
  • Collateral Source Reform? Yes, collateral sources can be considered within 10 days of a verdict and with a motion from any party. If this is done, the court has to reduce the award by the amount received from collateral sources, not including any amount paid by the plaintiff to secure the award.
  • Periodic Payments? Yes, when future damages will exceed $100,000, the court must hold a hearing for the claimant to consider if damages should be paid periodically.
  • Joint Liability Reform? Yes, persons who are 50% or less at fault are liable only for their portion of damages, unless they engaged in a common scheme or committed an intentional act. Persons who are more than 50% at fault are fully liable.
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in Minnesota


Medical malpractice rates in Minnesota are very low, and have held steady in recent years. Minnesota physicians, including obstetricians, surgeons and other specialists, enjoy much lower premiums than most of their counterparts in other states. Increased competition through the entrance of new insurers to the Minnesota marketplace may help these low rates to continue for some time to come.

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 North Star 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 Minnesota physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Minnesota County

Rates are the same across the 87 counties of Minnesota. Physicians in Hennepin and Ramsey Counties (which include the Twin Cities and surrounding areas) will have the same low rates as doctors in rural parts of the state.

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