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Ohio Malpractice Insurance

Ohio is a large market with many medical malpractice insurers. Though rates are relatively high compared to most states, competition among insurers helps keep them in check. In recent years, even more insurers have entered the Ohio market. 

Our 2021 Physician Buyers Guide for purchasing malpractice insurance in Ohio 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 Ohio 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 Ohio.

Ohio NPDB from 1990 to 2023

The above graph shows historic medical liability payout data from the National Practitioner Data Bank for MDs/DOs in Ohio. The consistent annual payouts between 2015 and 2020 have helped maintain the state’s flat malpractice insurance rates in recent years.

How to buy malpractice insurance in Ohio.

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

How much does medical malpractice insurance cost in Ohio

Rates in Ohio vary greatly dependent on where you practice. For example, an OB/Gyn in Cleveland (Cuyahoga County) could see an annual malpractice premium of $51,500. That same OB/Gyn could move their medical practice to Columbus (Franklin County) and see their malpractice premium drop to $23,400. 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 $5,877
  • General Surgeon Average Rate $41,928
  • OB/gyn – Average Rate $54,255
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Medical malpractice requirements in Ohio

Limits of Liability: The most common limits of liability in Ohio 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, Bethesda North Hospital in Cincinnati, Fairview in Cleveland and Miami Valley Hospital in Dayton.

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!

As you know, I was looking for more affordable medical malpractice insurance and found your website online. You were able to obtain the coverage I requested at very competitive prices, and after accepting a quote from one of your insurance carriers, you completed the transaction quickly and efficiently. I would certainly recommend you and your firm to my colleagues.

Orthopedic Surgeon in Ohio

I was looking for affordable malpractice coverage on the internet when I came across the Cunningham Group. I had the good fortune to meet Tim Arnieri who sent me multiple affordable quotes the same day. I was very well pleased with the ease of the application process and Tim handled everything. I would highly recommend this group for your professional insurance needs.

Podiatrist in Ohio

Best Medical malpractice insurance companies in Ohio

  1. Medical Protective
  2. The Doctors Company
  3. ProAssurance
  4. Coverys
  5. Lonestar
  6. Aspen
  7. Positive

Why partner with Cunningham Group?

Partnering with Cunningham Group will give you a full view of the Ohio 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 Ohio, and this is where our headquarters is located. We know Ohio 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 Ohio.

Historic Medical Malpractice Insurance Rates in Ohio for Physicians

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

According to the Institute for Legal Reform (ILR), an affiliate of the U.S. Chamber of Commerce, Ohio has a relatively fair and reasonable state liability system, coming in at 35 in the ILR’s 2019 Lawsuit Climate Survey. In recent years, the number of malpractice payments reported to the National Practitioner Data Bank (NPDB) has also fallen sharply, from 546 in 2004 to only 175 in 2014.

Tort Reform in Ohio

Ohio has gone through many attempts to reform its medical malpractice system. Several times, reform legislation was overturned on the basis of constitutionality. However, in 2003, Ohio was finally able to pass significant medical malpractice reforms, which are still in effect. These reforms limited noneconomic damages to $350,000, with provisions to raise the cap to $1,000,000, depending on the severity of injuries and the number of plaintiffs in the suit.

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