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Montana Malpractice Insurance

Montana has expensive malpractice rates when compared to its neighboring states. There are many malpractice insurance options available for physicians in Montana.

Our 2023 Physician Buyers Guide for purchasing malpractice insurance in Montana 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 Montana 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 Montana.

How to buy malpractice insurance in Montana.

The best way to buy malpractice coverage is to work with a reputable malpractice insurance broker in Montana 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 Montana malpractice insurance company.

Typically, the malpractice insurance purchasing process goes like this:

  1. Submit your information Click to get medical malpractice insurance quotes from every major Montana malpractice insurance company.
  2. One of our veteran malpractice insurance agents who specializes in the Montana market will contact you to learn more about your specific needs.
  3. We shop your coverage to every major insurance company in Montana.
  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 Montana, 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 Montana 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 Montana.

How much does medical malpractice insurance cost in Montana?

Rates for physician malpractice insurance don’t vary much depending on where you practice within the state. Most major insurance companies classify Montana 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:

Montana

  • Internal Medicine Average Rate $10,921
  • General Surgeon Average Rate $45,581
  • OB/gyn – Average Rate $67,118
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Medical malpractice requirements in Montana.

Limits of Liability: The most common limits of liability in Montana 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, Benefis in Great Falls, Bozeman Health Deaconess Hospital, and Providence Saint Patrick in Missoula.

Find Coverage for your Practice

  • Individual Physicians

    Find peace of mind for your practice. Allow us to locate suitable malpractice coverage from top providers, offering multiple quotes for your convenience.

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  • Tail Coverage

    Secure your future with Tail Insurance. Protect yourself from past claims with extended liability coverage—multiple quotes to match your needs.

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  • Medical Directors

    Lead confidently with comprehensive malpractice coverage. We specialize in finding tailored plans from various providers for medical directors like you.

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  • Telemedicine Coverage

    Navigate the virtual frontier with confidence. We help find comprehensive malpractice coverage for telemedicine practitioners, offering multiple quotes.

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  • Moonlighting Coverage

    Moonlight with confidence when you have the right protection. Get various malpractice coverage options, ensuring you’re covered wherever you practice.

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  • Surgeons

    Let us identify the ideal malpractice coverage from top providers so you can focus on excellent surgical outcomes.

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  • OBGYNs

    Secure specialized malpractice coverage for women’s health. We provide tailored solutions with multiple quotes to meet the specific needs of OBGYNs.

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  • Dermatologists

    Protect your dermatology practice confidently. We specialize in comprehensive malpractice coverage, delivering multiple quotes so you can choose the one that matches your needs.

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Client Testimonials

Below is what a few clients have to say about our prices and service. We know that cost and trust are the two most important factors when shopping for your medical malpractice insurance. We pride ourselves at being the best at both!

Thank you so much for completing this in an amazingly timely and efficient manner. You and your team have done an amazing job in both obtaining the best coverage for the lowest price from an A+ rated company as well as shortening the turnaround time to almost nil. I cannot thank you enough.

Plastic Surgeon in Montana

As an Obstetrician, finding a decent tail policy turn out to be an arduous task until I talked with Cunningham Group. They solved my problem in just a number of days where the other brokers were taking weeks. Very glad for their services.

OB in Montana

Best Medical malpractice insurance companies in Montana.

  1. The Doctors Company
  2. UMIA Insurance
  3. Yellowstone Insurance Exchange
  4. Endurance American Specialty Insurance

Why partner with Cunningham Group?

Partnering with Cunningham Group will give you a full view of the Montana 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 Montana.

Historic Medical Malpractice Insurance Rates in Montana for Physicians.

Brief History and other important facts of medical malpractice insurance in Montana.

Montana has relatively high malpractice rates when compared to many of the states in the Northwest. The state is not dominated by any one carrier, with many companies competing for physicians’ business. Montana has also implemented many reforms to its medical liability system. In recent years, rates have been holding steady or decreasing.

Tort Reform in Montana

Montana made many reforms to its medical liability system in the mid-1990s. Among the most important reforms was the establishment of a $250,000 cap on noneconomic damages in 1995. Other reforms included changes to joint and several liability rules in 1997; allowing for periodic payments; and collateral source reform.

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