The Kansas medical malpractice insurance market is stable and the presence of multiple
carriers provides competitive options for physicians. By law, all healthcare providers
in the state of Kansas must hold professional liability insurance. The insurance
policy must provide per claim limits of $200,000 and an aggregate limit of $600,000.
The Kansas Department of Insurance will only allow physicians to purchase insurance
from a state admitted carrier. Admitted carriers are backed by the state guarantee
and are regulated by the Department of Insurance.
The state legislature created the Health Care Provider Insurance Availability Plan
to provide insurance for those physicians who cannot obtain commercial state admitted
insurance coverage because of nontraditional practice or claims. To be covered by
the Availability Plan physicians must have two declination letters from two separate
Healthcare providers are also required to participate in the Health Care Stabilization
Fund (HCSF), which provides additional coverage on top of their commercial carrier
policy. Healthcare providers are to select one of three options for additional coverage
provided by the HCSF and are then charged a surplus on their premium. Those options
include a per claim limit with an aggregate limit of:
- $100,000 per claim with $300,000 annual aggregate
- $300,000 per claim with $900,000 annual aggregate
- $800,000 per claim with $2,400,000 annual aggregate
With one exception, there are no additional charges from the Fund for physicians
practicing in other states outside of Kansas. However, physicians practicing in
both Missouri and Kansas are assigned a 25% surcharge.
Insurance Companies in Kansas:
- Kansas Medical Mutual Insurance Company
- Medical Protective Insurance Company
- ProAssurance Company, Inc.
- Medicus Insurance Company
- Professional Solutions Insurance Company
- Intermed Insurance Company
- The Doctors Company
- Midwest Medical Insurance Company
Medical Malpractice Insurance Rates By Specialty (Top 15)
Rates depend greatly on specialty. Physicians offering high-risk care, such as surgeons, have higher rates than doctors in lower-risk areas. Prices will vary, though, based on your claim history and location in addition to your specialty. Always talk to an insurance expert to get a more specific quote for your malpractice insurance.
Below are undiscounted state filed rate data averages across all territories for
$200K / $600K limits
* Please note that the above rates are state filed rates. It is not
uncommon for Gallagher Healthcare clients to receive up to 50% or more in discounts
from state filed rates. Please Request a Quote to receive a custom premium indication.
|Specialty||Average Rate||Min Rate||Max Rate||Count
|Family Practice No Surgery||$5,532||$2,960||$7,350||1686
|Internal Medicine No Surgery||$5,888||$3,539||$8,108||896
|Pediatrics No Surgery||$4,905||$2,960||$7,350||404
|Obstetrics and Gynecology Major Surgery||$25,702||$12,869||$33,186||311
|Radiology - Diagnostic||$7,176||$3,733||$8,965||254
|Orthopedic Surgery No Spine||$18,221||$7,722||$27,900||235
|Ophthalmology No Surgery||$4,078||$1,802||$5,580||140
|Cardiovascular Disease Minor Surgery||$8,382||$4,890||$11,832||134
|Pathology No Surgery||$4,998||$2,574||$7,350||132
|Neurology No Surgery||$7,345||$4,376||$10,580||122
Rate Range by Specialty
This chart compares the range of possible state filed medical malpractice premium rates by admitted markets and a few Gallagher Select markets broken out by the top 15 specialties in Kansas.
USA Ranking Map
The map below provides a visual display of the nation and compares what a typical primary care physician might pay compared to each individual state and county. This research is based on the average rate for a single specialty, the most common limits in that state, and the mature claims made premium. The darker the blue, the higher the average premium, see how Kansas compares to other states.