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North Dakota Medical Malpractice Insurance

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Cunningham Group Insurance Services, Elmwood Park, IL

Cunningham Group is here for North Dakota 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 North Dakota Malpractice Insurance Marketplace Guide

North Dakota Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • MHA Insurance Company
    • MMIC Insurance Inc.
    • Medical Protective Co.
    • Columbia Casualty Co.
    • American Casualty Company of Reading PA
  • Cost of Medical Malpractice Insurance: Low
  • Pending State Legislation in 2021 that could affect your rates?: No

The North Dakota Malpractice Landscape

North Dakota physicians enjoy low medical malpractice premiums, primarily as a result of tort reforms implemented by the state. North Dakota also has a number of insurers, making policy prices competitive and further keeping rates down. These low premiums, coupled with North Dakota’s attractive tort liability climate, make the state an appealing practice environment for surgeons and physicians.

Tort Reform in North Dakota

North Dakota instituted a cap of $500,000 on noneconomic damages in 1995. In addition to this cap, the legislature passed language making economic damages in excess of $250,000 subject to judicial review for reasonableness. These two tort provisions significantly decrease the possibility of runaway jury verdicts, which helps to keep medical liability rates down because insurers are not forced to plan for ‘jackpot’ awards. North Dakota has also abolished joint-and-several liability in personal injury and death cases, making each individual liable only for his or her share of damages.

In 2018, a North Dakota district judge found the state’s cap on noneconomic damages in medical liability cases unconstitutional. The case involved a woman who was disabled following a surgery in 2012. In April of 2017, a jury found the defendant surgeon guilty of malpractice and awarded the plaintiff $3.5 million in damages. Of that $3.5 million, $2 million was for economic damages such as medical expenses and lost wages, and $1.5 million was for noneconomic pain-and-suffering damages. The surgeon’s employer, CHI St. Alexius Health, moved to have the noneconomic portion of the judgment reduced by $1 million as prescribed under North Dakota’s 1995 tort reform that limits noneconomic damages to $500,000. South Central Judicial District Judge Cynthia Feland found the noneconomic damage cap unconstitutional as it violates the equal protection guaranteed by the North Dakota Constitution by arbitrarily reducing damages for those who experience the most severe injuries. Feland further wrote that the law’s legislative record contained no rationale for how the $500,000 cap was set or how it would benefit the state’s healthcare goals. Cunningham Group expects the decision to be appealed.

Does North Dakota have…

  • Damage Caps? Yes, noneconomic damages are capped at $500,000, and economic damages in excess of $250,000 are subject to judicial review for reasonableness.
  • Patient Compensation Fund? No
  • Apology Law? Yes, a statement, affirmation, gesture, or conduct of a health care provider, or health care provider’s employee or agent, that expresses apology, sympathy, commiseration, condolence, compassion, or benevolence can be made to the patient, or patient’s relative or representative, in the event of any civil action, arbitration or proceeding against a healthcare provider.
  • Collateral Source Reform? Yes, defendants can introduce evidence of collateral source payments made to the plaintiff, and the plaintiff can show evidence as to the amount the plaintiff has paid to receive the benefits.
  • Periodic Payments? Yes, the court can award periodic payments for damages that exceed $50,000 if either the plaintiff or defendant requests it.
  • Joint Liability Reform? Yes, defendants are proportionally responsible for their share of negligence in noneconomic damages. For economic damages, defendants 50 percent or less at fault are proportionately responsible; those judged to be more than 50 percent at fault are jointly and severally liable.
  • Limits on Plaintiff Attorney’s Fees? No, but fees are subject to approval if the fees exceed the noneconomic damages awarded.

Medical Malpractice Rates in North Dakota


Medical malpractice rates in North Dakota are low, with physicians paying a fraction of the amount they would pay in the most expensive states. Premiums for obstetricians are available for well under $40,000, while general practitioners should be able to find rates well below $10,000.

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

Coverage by North Dakota County

Rates are constant across this predominantly rural state. Physicians in Cass County, which includes Fargo and is North Dakota’s most populous county, will pay the same rates as those in other parts of the state.

Ready to start saving on your medical malpractice insurance premiums?

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