Nevada Malpractice Insurance

The Nevada malpractice insurance marketplace has been historically unstable — with a number of carriers entering and exiting the state over the decades.

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

How to buy malpractice insurance in Nevada.

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

Typically, the malpractice insurance purchasing process goes like this:

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

How much does medical malpractice insurance cost in Nevada.

Rates in Nevada vary greatly dependent on where you practice. For example, a general surgeon in Las Vegas (Clark County) could see an annual malpractice premium of $25,500. That same general surgeon could move their medical practice to Reno (Washoe County) and see their malpractice premium drop to $12,000. 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 $5,957
  • General Surgeon Average Rate $21,242
  • OB/gyn – Average Rate $30,627
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Medical malpractice requirements in Nevada.

Limits of Liability: The most common limits of liability in Nevada 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, Mountainview Hospital in Las Vegas, Renown South Meadows in Reno and Henderson Hospital.

Best Medical malpractice insurance companies in Nevada.

  1. Medical Protective
  2. The Doctors Company
  4. ProAssurance
  5. Nevada Mutual

Why partner with Cunningham Group?

Partnering with Cunningham Group will give you a full view of the Nevada marketplace. We can get you quotes from all the major insurance companies and help you choose the policy that best fits your needs and budget. Our company was founded in Nevada, and this is where our headquarters is located. We know Nevada better than any broker in the state. Our veteran insurance agents average 15+ years of industry experience. Let us help you secure medical malpractice insurance quotes from every major insurance company in Nevada.

Historic Medical Malpractice Insurance Rates in Nevada for Physicians.

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

Prior to tort reforms being passed in 2002, Nevada physicians were facing skyrocketing premiums and many were leaving the state. This situation led to a 2002 tort reform bill, which capped noneconomic damages at $350,000. However, it allowed for exceptions for gross negligence and exceptional circumstances, which physicians argued nullified any impact on rising medical malpractice insurance rates. The issue was ultimately decided in favor of the physicians when voters approved the 2004 “Keep Our Doctors in Nevada” ballot initiative, which rescinded any exceptions to the noneconomic damages cap and added further barriers to filing frivolous lawsuits.

Tort Reform in Nevada

The noneconomic damage cap and subsequent ballot initiative have helped to stabilize medical malpractice rates in the Silver State. Other important measures include joint and several liability reform, collateral source reform, limits on attorney fees and the use of periodic payments. Nevada has faced several challenges to its noneconomic damage cap. Most recently, the Nevada Supreme Court upheld the cap, overturning an earlier ruling that it was unconstitutional.