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Ohio Medical Malpractice Insurance

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Cunningham Group is here for Ohio 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 Ohio Malpractice Insurance Marketplace Guide

Ohio Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • Medical Protective
    • The Doctors Company
    • ProAssurance
    • MHA Insurance Co.
    • American Casualty Company of Reading Pennsylvania
  • Cost of Medical Malpractice Insurance: High
  • Pending State Legislation in 2021 that could affect your rates?: No

The Ohio Malpractice Landscape

Ohio is a large market with many medical malpractice insurers. Though rates are relatively high compared to many states, competition among insurers has helped keep them in check. In recent years, even more insurers have entered the Ohio market. Additionally, medical liability rates vary greatly in Ohio depending on location, so even a short distance can make a great difference. Consult our county-level historic rates for examples.

According to the Institute for Legal Reform (ILR), an affiliate of the U.S. Chamber of Commerce, Ohio has a relatively fair and reasonable state liability system, coming in at 27 in the ILR’s 2015 Lawsuit Climate Survey. In recent years, the number of malpractice payments reported to the National Practitioner Data Bank (NPDB) has also fallen sharply, from 546 in 2004 to only 175 in 2014.

Tort Reform in Ohio

Ohio has gone through many attempts to reform its medical malpractice system. Several times, reform legislation was overturned on the basis of constitutionality. However, in 2003, Ohio was finally able to pass significant medical malpractice reforms, which are still in effect. These reforms limited noneconomic damages to $350,000, with provisions to raise the cap to $1,000,000, depending on the severity of injuries and the number of plaintiffs in the suit.

Does Ohio have...

  • Damage Caps? Yes, Ohio has a noneconomic damages cap of $350,000 for most cases, which can be raised to $1,000,000 depending on the circumstances including the severity of injuries and the number of plaintiffs in the suit.
  • Patient Compensation Fund? No
  • Apology Law? Yes, statements, affirmations, gestures or conduct expressing apology, sympathy, compassion or a sense of benevolence can be made to an alleged victim, or the relative or representative of an alleged victim.
  • Collateral Source Reform? Yes, defendants may introduce evidence of collateral sources, and plaintiffs can submit evidence of any amount that was paid or contributed to secure those benefits.
  • Periodic Payments? Yes, if the amount of damages exceeds $50,000 and either party requests it.
  • Joint Liability Reform? Yes, defendants are proportionally responsible for noneconomic damages, and defendants who are 50 percent or less at fault are responsible only for their proportionate share of negligence. Defendants found to be more than 50 percent at fault are jointly and severally liable for all damages.
  • Limits on Plaintiff Attorney’s Fees? No, but fees are subject to approval by a judge, should the fees exceed the noneconomic damages awarded.

Medical Malpractice Rates in Ohio

Rates in Ohio are relatively high, with premiums for specialists like OBGYNs ranging to more than $100,000 per year, depending on location. Rates for internists and other non-specialists are more affordable. Overall, Ohio rates have generally been decreasing in recent years.

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

Coverage by Ohio County

Ohio rates vary a lot by location, sometimes even within a county. The highest rates are generally found in Cuyahoga County, but other parts of the state can also be pricey. To get a full picture of Ohio medical malpractice rates and to compare costs by location, see our Historic Rate Data.

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