Vermont Malpractice Insurance

Malpractice insurance rates in Vermont are moderate, but the state has relatively few malpractice carriers — with two companies (Medical Mutual of ME and ProSelect) insuring more than 2/3 of the state’s medical liability risk. However, new insurers have recently made inroads. 

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

How to buy malpractice insurance in Vermont.

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

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 Vermont, 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 Vermont 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 Vermont.

How much does medical malpractice insurance cost in Vermont?

Rates for physician malpractice insurance don’t vary much depending on where you practice within the state. Most major insurance companies classify Vermont 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 $7,686
  • General Surgeon Average Rate $26,052
  • OB/gyn – Average Rate $36,856
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Medical malpractice requirements in Vermont.

Limits of Liability: The most common limits of liability in Vermont 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, The University of Vermont Medical Center in Burlington and Rutland Regional Medical Center.

Best Medical malpractice insurance companies in Vermont.

  1. Medical Mutual Ins. Co. of ME
  2. The Doctors Company
  3. ProSelect Insurance Co.
  4. American Casualty Co. of Reading PA
  5. Lexington Insurance Co.
  6. Medical Protective Co.

Why partner with Cunningham Group?

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

Historic Medical Malpractice Insurance Rates in Vermont for Physicians.

History of Medical Malpractice Insurance and Tort Reform in Vermont.

Vermont has passed little in the way of medical liability reform measures, but the state is known for having a low-level of lawsuits, so rates have remained moderate despite the lack of tort reform.

The Vermont legislature has not made significant reforms to the state’s medical liability system. The state does not have any damage caps, nor has it made reforms to joint and several liability, changed collateral source rules, or limited attorney fees. Vermont does have an arbitration system for medical malpractice cases, which is available if all parties agree to it. Despite the absence of reforms, Vermont’s tort system scored very high in the Institute for Legal Reform’s (an affiliate of the U.S. Chamber of Commerce) 2019 Lawsuit Climate Survey: Ranking the States: A Survey of the Fairness and Reasonableness of State Liability Systems, ranking number 11. This is a massive drop from the 2015 study in which Vermont was ranked #2 just behind Delaware (that still ranks #1).