Vermont Medical Malpractice Insurance

• Most Common Limits of Liability: $1 million/$3 million
• Major Malpractice Insurers:
  • Medical Mutual Ins. Co. of ME
  • ProSelect Insurance Co.
  • American Casualty Co. of Reading PA
  • The Doctors Company
  • Medical Protective Co.
• Cost of Medical Malpractice Insurance: Moderate
• Pending State Legislation in 2021 that could affect your rates?: No

Malpractice insurance rates in Vermont are moderate and have been fairly stable in recent years. The state has relatively few malpractice carriers, with the top two insurers (Medical Mutual of ME and ProSelect) covering more than 2/3 of the total premium available. However, other insurers have recently begun making some inroads. Vermont has passed little in the way of medical liability reform measures, but the state is known for having a low-level of lawsuits, so rates have remained moderate despite the lack of reform.

The Vermont legislature has not made significant reforms to the state’s medical liability system. The state does not have any damage caps, nor has it made reforms to joint and several liability, changed collateral source rules, or limited attorney fees. Vermont does have an arbitration system for medical malpractice cases, which is available if all parties agree to it. Despite the absence of reforms, Vermont’s tort system scored very high in the Institute for Legal Reform’s (an affiliate of the U.S. Chamber of Commerce) 2015 Lawsuit Climate Survey: Ranking the States: A Survey of the Fairness and Reasonableness of State Liability Systems, ranking second behind only Delaware.

• Damage Caps? No
• Patient Compensation Fund? No
• Apology Law? Yes, expressions of regret can be made in writing, orally or by conduct, within 30 days of discovering the medical error.
• Collateral Source Reform? No
• Periodic Payments? No
• Joint Liability Reform? No
• Limits on Plaintiff Attorney’s Fees? No

Overview

Medical malpractice rates in Vermont are moderate. Rates for general practitioners are generally under $15,000, while those for specialists like obstetricians are half or less than those of many northeastern states.

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 Green Mountain 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 Vermont physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Vermont County

Rates are constant across Vermont’s 14 counties. Even physicians in the state’s largest city (Burlington, in Chittenden County) will enjoy the same moderate rates as those in the rest of the state.

Vermont Medical Society
Vermont Department of Financial Regulation
Vermont Association of Hospitals and Health Systems
Vermont Board of Medical Practice
Vermont Medical Group Management Association
Vermont Medicaid
All MD Vermont Healthcare Defense Attorney Listing