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Montana Medical Malpractice Insurance

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Cunningham Group Insurance Services, Elmwood Park, IL

Cunningham Group is here for Montana 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 Montana Malpractice Insurance Marketplace Guide

Montana Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • UMIA Insurance Inc.
    • Mountain States Healthcare Reciprocal RRG
    • The Doctors Company
    • Yellowstone Insurance Exchange
    • Endurance American Specialty Insurance Co.
  • Cost of Medical Malpractice Insurance: High
  • Pending State Legislation in 2021 that could affect your rates?: No

The Montana Malpractice Landscape

Montana has relatively high malpractice rates when compared to many of its neighbors. The state is not dominated by any one carrier, with many companies competing for physicians’ business. Montana has also implemented many reforms to its medical liability system. In recent years, rates have been holding steady or decreasing.

Tort Reform in Montana

Montana made many reforms to its medical liability system in the mid-1990s. Among the most important reforms was the establishment of a $250,000 cap on noneconomic damages in 1995. Other reforms included changes to joint and several liability rules in 1997; allowing for periodic payments; and collateral source reform.

Does Montana have...

  • Damage Caps? Yes, noneconomic damages are capped at $250,000.
  • Patient Compensation Fund? No
  • Apology Law? Yes, statements, affirmation, gesture, or conduct expressing apology, sympathy, commiseration, condolence, compassion or a general sense of benevolence can be made for the pain, suffering or death of a person a civil action for medical malpractice.
  • Joint Liability Reform? Yes, parties judged to be 50% or less at fault are only liable for their share of negligence, unless they acted in concert with or as an agent of another party. Those judged to be more than 50% at fault are fully liable.
  • Collateral Source reform? Yes, if damages will exceed $50,000, then total damages must be reduced by the amount of prior collateral source payments, as long as the collateral sources do not involve rights of subrogation.
  • Periodic payments? Yes, periodic payments must be ordered if any party requests and if future damages will exceed $50,000.
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in Montana


Medical malpractice rates in Montana tend to be high, especially when compared to neighboring states. Though rates do not approach those seen in states like Illinois and New York, primary care physicians in Montana can expect rates in the mid-teens, while specialists like obstetricians may see rates as high as $80,000 per year or more.

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 Big Sky 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 Montana physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Montana County

Rates are constant across Montana’s 56 counties. Physicians in more populous counties like Yellowstone, which includes the state’s largest city, Billings, or Missoula County, with Montana’s second-largest city, will pay the same rates as doctors in more rural areas.

Ready to start saving on your medical malpractice insurance premiums?

Get a free, no-obligation quote from Cunningham Group and get the cost-effective coverage you need!