North Dakota Malpractice Insurance

North Dakota physicians enjoy low malpractice insurance premiums, primarily as a result of tort reforms implemented by the state. North Dakota also has a number of insurers, making policy prices competitive and further keeping rates down. These low premiums, coupled with North Dakota’s attractive tort liability climate, make the state an appealing practice environment for surgeons and physicians.

Our 2023 Physician Buyers Guide for purchasing malpractice insurance in North Dakota 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 North Dakota 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 North Dakota.

How to buy malpractice insurance in North Dakota.

The best way to buy malpractice coverage is to work with a reputable malpractice insurance broker in North Dakota 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 North Dakota 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 North Dakota.
  2. One of our veteran malpractice insurance agents who specializes in the North Dakota market will contact you to learn more about your specific needs.
  3. We shop your coverage to every major insurance company in North Dakota.
  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 North Dakota, 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 North Dakota 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 North Dakota.

How much does medical malpractice insurance cost in North Dakota?

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

North Dakota

  • Internal Medicine Average Rate $4,273
  • General Surgeon Average Rate $13,851
  • OB/gyn – Average Rate $18,200
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Medical malpractice requirements in North Dakota.

Limits of Liability: The most common limits of liability in North Dakota 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, Altru Hospital in Grand Forks and Sanford Medical Center in Fargo.

Best Medical malpractice insurance companies in North Dakota.

  1. Medical Protective
  2. The Doctors Company
  4. MMIC
  5. Columbia Casualty

Why partner with Cunningham Group?

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

Historic Medical Malpractice Insurance Rates in North Dakota for Physicians

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

North Dakota instituted a cap of $500,000 on noneconomic damages in 1995. In addition to this cap, the legislature passed language making economic damages in excess of $250,000 subject to judicial review for reasonableness. These two tort provisions significantly decrease the possibility of runaway jury verdicts, which helps to keep medical liability rates down because insurers are not forced to plan for ‘jackpot’ awards. North Dakota has also abolished joint-and-several liability in personal injury and death cases, making each individual liable only for his or her share of damages.

In 2018, a North Dakota district judge found the state’s cap on noneconomic damages in medical liability cases unconstitutional. The case involved a woman who was disabled following a surgery in 2012. In April of 2017, a jury found the defendant surgeon guilty of malpractice and awarded the plaintiff $3.5 million in damages. Of that $3.5 million, $2 million was for economic damages such as medical expenses and lost wages, and $1.5 million was for noneconomic pain-and-suffering damages. The surgeon’s employer, CHI St. Alexius Health, moved to have the noneconomic portion of the judgment reduced by $1 million as prescribed under North Dakota’s 1995 tort reform that limits noneconomic damages to $500,000. South Central Judicial District Judge Cynthia Feland found the noneconomic damage cap unconstitutional as it violates the equal protection guaranteed by the North Dakota Constitution by arbitrarily reducing damages for those who experience the most severe injuries. Feland further wrote that the law’s legislative record contained no rationale for how the $500,000 cap was set or how it would benefit the state’s healthcare goals.

On April 22, 2019, the North Dakota Supreme Court ruled that the noneconomic damage cap did not violate the equal-protection provisions in the North Dakota Constitution. The cap remains at $500,000.