Minnesota Malpractice Insurance

The Minnesota malpractice insurance market offers physicians some of the lowest premiums in the country. It is so low that on occasionally, we see physicians moving there because of the low costs.

Our 2023 Physician Buyers Guide for purchasing malpractice insurance in Minnesota gives you the information necessary to obtain the strongest, most financially secure policy at the best price. When shopping for coverage, you need a full view of the Minnesota marketplace to find the company that best fits your situation. Choose a broker that can offer multiple quotes from all the major malpractice insurance companies in Minnesota.

How to buy malpractice insurance in Minnesota.

The best way to buy malpractice coverage is to work with a reputable malpractice insurance broker in Minnesota who can generate multiple quotes. Your broker will walk you through the lengthy insurance application and underwriting process. Click to get medical malpractice insurance quotes from every major Minnesota malpractice insurance company.

Typically, the malpractice insurance purchasing process goes like this:

  1. Submit your information for your free medical malpractice insurance quote from every major insurance company in Minnesota.
  2. One of our veteran malpractice insurance agents who specializes in the Minnesota market will contact you to learn more about your specific needs.
  3. We shop your coverage to every major insurance company in Minnesota.
  4. We present you with a number of insurance quotes and give you the information necessary to make an educated and informed decision. Don’t worry. We’re here every step of the way, helping you get the best price with the best company.
  5. At renewal time, we restart the process of shopping your coverage among every major carrier to keep your policy properly priced.

How to save money on your malpractice insurance.

  • The easiest way to save money on your medical malpractice insurance policy is by working with a broker who has the access to generate quotes from every major insurance company, offering an accurate view of the marketplace. As one of the top brokers in Minnesota, we can guide you through the application and underwriting process so you’re confident you secured the best price with the right insurer for your situation.
  • The most common limits in Minnesota are $1 million/$3 million. Limits of liability play a major role in determining the overall cost of your policy. Some companies will offer lower limits to save you money. We don’t recommend this. We want your risks fully indemnified so you never have to pay an award out of pocket. Let us save you money by shopping your coverage rather than skimp on protection.
  • Check out our 7 secrets your medical malpractice insurance agent won’t tell you page to get insider information on buying coverage in Minnesota

How much does medical malpractice insurance cost in Minnesota.

Rates for physician malpractice insurance don’t vary much depending on where you practice within the state. Most major insurance companies classify Minnesota as a single territory, which means your specialty’s base rate does not vary depending on your practice address. But you still want multiple quotes to get an accurate view of the marketplace. This is one of the many reasons it’s important to work with an insurance agency that specializes in medical malpractice insurance. Below are mature, base rates with no credits or discounts. We typically get our clients a 30-50% reduction from these rates:


  • Internal Medicine Average Rate $3,560
  • General Surgeon Average Rate $9,974
  • OB/gyn – Average Rate $14,804
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Medical malpractice requirements in Minnesota.

Limits of Liability: The most common limits of liability in Minnesota are $1 million per claim with an annual aggregate cap of $3 million.

Most hospitals require a physician carry malpractice insurance prior to granting admitting privileges. Some of the hospital systems requiring this include, but are not limited to, Abbott Northwestern in Minneapolis, Saint Cloud Hospital, and United Hospital in Saint Paul.

Best Medical malpractice insurance companies in Minnesota.

  1. Medical Protective
  2. The Doctors Company
  4. MMIC Insurance Inc.
  5. Continental Casualty

Why partner with Cunningham Group?

Partnering with Cunningham Group will give you a full view of the Minnesota marketplace.. Our veteran insurance agents average 10+ years of industry experience. Let us help you secure medical malpractice insurance quotes from every major insurance company in Minnesota.

Historic Medical Malpractice Insurance Rates in Minnesota for Physicians.

Brief History and other important facts of medical malpractice insurance in Minnesota

Large jury awards are uncommon and the overall number of medical malpractice lawsuits is low. Minnesota’s enviable malpractice climate may be due to many factors. Though the state has not passed damage caps for medical malpractice suits, it has carried out several tort reforms which have helped to foster a positive climate for physicians and the healthcare industry. The state has also implemented procedures to encourage more malpractice insurers to enter its market to increase competition and drive down premium costs. Minnesota has long been dominated by Midwest Medical Insurance Company (MMIC), with MMIC controlling more than 60% of the state’s marketplace, but in recent years, several physician-run insurers have begun offering medical malpractice policies in the North Star State.

Tort Reform in Minnesota

Minnesota’s major medical liability reform was passed in 1986 through Statute 145.682, which was enacted to help remedy the rising cost of medical malpractice insurance by reducing frivolous lawsuits. The statute requires an affidavit of merit from an expert demonstrating that the expert believes that the plaintiff has a valid claim. Another affidavit listing expert witnesses must be served upon the defendant within 180 days after commencement of the suit. The Minnesota Supreme Court has upheld the precedent of case dismissal if a plaintiff fails to obtain sufficient certification of expert review, and this legislation has had a notable effect on the expense of defending against frivolous lawsuits. As of last review in 2021, there has not been any meaningful tort reform introduced.