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New Jersey Medical Malpractice Insurance

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Cunningham Group Insurance Services, Elmwood Park, IL

Cunningham Group is here for New Jersey 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 New Jersey Malpractice Insurance Marketplace Guide

New Jersey Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • Princeton Insurance Co.
    • ProSelect Insurance Co.
    • MDAdvantage Insurance Co. of New Jersey
    • Coventus Inter-Insurance
    • Medical Protective Co.
  • Cost of Medical Malpractice Insurance: Very high
  • Pending State Legislation in 2021 that could affect your rates?: No

The New Jersey Malpractice Landscape

New Jersey has historically had a high rate of lawsuits and has the medical malpractice insurance rates to match. Though less expensive than neighboring areas of New York and Pennsylvania, New Jersey is still a pricey state for physicians. Additionally, New Jersey has had a hard time attracting and retaining physicians, leading to shortages, particularly in primary care and specialties like obstetrics. Limited reforms implemented in 2004 have helped to ameliorate the situation and have kept rates lower than they otherwise might have been.

Tort Reform in New Jersey

Tort reform has been attempted many times in the Garden State, and many smaller reforms have been carried out. Currently, New Jersey has a cap on punitive damages of $350,000 or five times the compensatory damages, whichever is greater. Reforms to joint-and-several liability, collateral source reform and limits on attorney fees are also in place. Smaller claims of $20,000 or less must be submitted to arbitration and voluntary arbitration is available for larger claims. Plaintiffs in New Jersey must also submit an Affidavit of Merit within 60 days of filing a claim.

Physician protections were slightly eroded in 2018 when the New Jersey Supreme Court ruled that hospitals and doctors must share the facts of their treatment with patients who are suing for medical malpractice and cannot hide behind a landmark state law that permits a confidential examination of why mistakes occurred. The state’s highest court clarified the intent of the state’s Patient Safety Act of 2004, which encouraged healthcare workers to have frank conversations about “adverse events,” with the goal of preventing future errors. Those discussions and any written analysis from them are still private, according to the decision, but the ruling states that patients are entitled to the facts contained in medical records and a “narrative that specifies where responsive information may be found.”

Does New Jersey have…

  • Damage Caps? Yes, but only on punitive damages, which are capped at $350,000 or five times compensatory damages, whichever is greater. There is no cap on noneconomic or economic damages.
  • Patient Compensation Fund? No
  • Apology Law? No
  • Joint Liability Reform? Yes, defendants are only proportionally responsible for damages if they are found to be less than 60 percent at fault.
  • Collateral Source Reform? Yes, collateral sources must be disclosed and deducted from the claimant’s damages.
  • Periodic Payments? No
  • Limits on Plaintiff Attorney’s Fees? Yes, fees are limited to 33 1/3 percent of the first $500,000; 30 percent of the next $500,000; 25 percent of the next $500,000; 20 percent of the next $500,000; and for amounts greater than $2 million, the court decides on a reasonable fee.

Medical Malpractice Rates in New Jersey


Medical malpractice rates in New Jersey are very high. Specialists like obstetricians can expect premiums to be near $100,000 per year, or even more. Many New Jersey physicians have left the state or stopped doing higher-risk procedures in response to high premiums.

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 Garden 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 New Jersey physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by New Jersey County

Rates do not vary across New Jersey’s 21 counties. Smaller counties like Cumberland County in the southern part of the state have the same high rates as more populous counties like Essex, Bergen and Middlesex.

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