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South Carolina Medical Malpractice Insurance

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  • Read the Latest 2017 Marketplace Guide
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Cunningham Group is here for South Carolina 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.

EXPERIENCED
Founded in 1947, our experienced liability specialists will customize a policy to the specific needs of you and your practice.
PHYSICIAN DISCOUNTS
Get all the physician discounts you are entitled to, including: Risk Management, Claims-free and New to Practice.
PRIOR ACTS COVERAGE
We ensure you receive Prior Acts, so you avoid purchasing separate tail malpractice coverage.
HISTORIC MED-MAL RATE DATA
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.
FREE TOOLS & RESOURCES
Access to ALL MD, our network of Connecticut healthcare defense lawyers. Free Practice Tools, including Online Patient Satisfaction Survey System and Risk Management tools.
CUSTOMER SERVICE
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.

2017 South Carolina Malpractice Insurance Marketplace Guide

South Carolina Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • MAG Mutual Insurance Co.
    • Medical Protective Co.
    • The Doctors Company
    • Continental Insurance Co.
    • ProAssurance Indemnity Co.
  • Cost of Medical Malpractice Insurance: Moderate

The South Carolina Malpractice Landscape

Medical malpractice rates in South Carolina are moderate compared with many other states. This is due both to the large number of carriers in the state and to the many tort reforms that South Carolina has passed over the years. South Carolina began reforming its medical liability system in the 1976, with the creation of the South Carolina Medical Malpractice Patient Compensation Fund. The PCF charges an annual “membership fee” and requires a physician to carry minimum coverage of $200,000 per claim and $600,000 annual aggregate of all claims. Any verdict in excess of the underlying, primary coverage is paid by the PCF. In effect, the PCF pools and minimizes its members’ risk of a jackpot verdict, keeping their insurance premiums to a minimum. South Carolina also has a Joint Underwriting Association (JUA). JUAs help keep premiums in check by providing insurance to physicians who are unable to obtain affordable insurance in the marketplace.

Tort Reform in South Carolina

In addition to its Patient Compensation Fund, the Palmetto State has implemented many tort reforms. In 2004, then-Governor Mark Sanford made a legislative push to address ongoing liability issues in the state. The result was the South Carolina Medical Malpractice & Patient Safety Reform Act, which was passed in 2005. This act addressed both general tort reform and specific reforms to the medical liability system. General tort reforms included joint and several liability reform; venue reform; reforms to the Statute of Repose (similar to a statute of limitations, but with more restrictions); and introduction of measures to sanction lawyers and other parties filing frivolous claims. Medical liability-specific reforms included a $350,000 cap on noneconomic damages in medical malpractice cases ($1.05 million for multi-defendant lawsuits); required plaintiffs to file a notice of intent to sue, and for both parties to participate in mandatory mediation (a claim can still be filed if a resolution cannot be reached in mediation); required that any expert testimony that is delivered in “bad faith” be reported to professional licensing agencies; and protected emergency room physicians from liability for medical malpractice unless there is evidence that the doctor acted in a manner that was grossly negligent. The bill offers similar protections to obstetricians when providing emergency care unless the doctor acted in a manner that was grossly negligent.

Does South Carolina have…

  • Damage Caps? Yes, noneconomic damages are capped at $350,000. The cap increases to $1.05 million in cases with multiple defendants.
  • Patient Compensation Fund? Yes, see above.
  • Apology Law? Yes, conduct, statements, or activity consisting of voluntary offers of assistance or expressions of benevolence, regret, mistake, error, sympathy, or apology can be made to a patient, relative of the patient or the patient’s legal representative, in the event of any unanticipated outcome resulting from the patient’s medical care.
  • Collateral Source Reform? No
  • Periodic Payments? No
  • Joint Liability Reform? Yes, defendants who are less than 50 percent at fault are only liable for their proportion of negligence; those who are 50 percent or greater at fault can be held fully liable.
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in South Carolina

Overview

Medical malpractice rates in South Carolina are moderate. Many physicians in South Carolina pay about a quarter what they would pay in surrounding states – even specialists. The market has many carriers, and tort reforms have helped keep the climate stable.

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 Palmetto 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 South Carolina physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by South Carolina County

Rates are the same in all 46 South Carolina counties. Whether a physician is practicing in a more populous area like Greenville County or Charleston County, or in McCormick County (population only 10,233) he or she will enjoy the same low rates.

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