Oregon Malpractice Insurance

Malpractice insurance rates in Oregon are relatively moderate. The state is known for having a low level of litigation compared to other states, which helps keep premiums low.

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

How to buy malpractice insurance in Oregon.

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

How much does medical malpractice insurance cost in Oregon?

Rates for physician malpractice insurance don’t vary much depending on where you practice within the state. Most major insurance companies classify Oregon 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 $7,610
  • General Surgeon Average Rate $26,531
  • OB/gyn – Average Rate $35,171
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Medical malpractice requirements in Oregon.

Limits of Liability: The most common limits of liability in Oregon 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, Legacy Emanuel Medical Center in Portland, PeaceHealth Sacred Heart in Springfield and Salem Hospital.

Best Medical malpractice insurance companies in Oregon.

  1. The Doctors Company
  2. Medical Protective
  4. Coverys
  5. Physicians Insurance Mutual
  6. Continental Casualty

Why partner with Cunningham Group?

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

Historic Medical Malpractice Insurance Rates in Oregon for Physicians.

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

Oregon made its first major tort reforms in the 1987, passing a $500,000 cap on noneconomic damages and limiting joint-and-several liability. In 1995, additional reforms were passed, which included limits on attorney contingency fees; mandated arbitration for most cases involving less than $50,000; encouraged settlement conferences; penalized frivolous lawsuits, poorly-prepared court documents and motions; mandated attorney fee and court cost awards in certain cases and provided criteria for the discretionary awarding of court costs and attorney fees in a wide variety of other cases; modified punitive damage awards; and limited the attorney share for punitive damage awards to 20 percent.

In 1999, Oregon’s Supreme Court overturned the state’s cap on noneconomic damages for personal injury cases, but allowed to stand the cap in cases of wrongful death, including for medical malpractice actions. But in 2016, the Oregon Supreme Court effectively reinstated the personal injury noneconomic damage cap in a case regarding an eight month old who was left with lifelong health problems after a surgery. In response, the Oregon legislature introduced two bills to raise the noneconomic damage cap. Neither became law, but momentum is gaining to pass them in coming sessions.