Dollar-for-dollar, Minnesota has some of the lowest premiums for medical malpractice insurance in the country. Physicians and surgeons in the Land of 10,000 Lakes benefit from low premiums in spite of the lack of caps on damages for medical liability lawsuits. The Minnesota malpractice insurance market has long been dominated by Midwest Medical Insurance Company (MMIC) which currently controls more than 62% of the approximate $89 million dollars of available premium. In an effort to bring much needed competition and product choice to Minnesota's physicians and surgeons several physician insurers have recently entered the market. Healthcare providers are largely unaware of the increased competition and new options though--there are more than eight physician insurers competing heavily for new business while offering policy features that are most needed by physicians.

Some of the policy features one can expect on their Minnesota medical malpractice insurance policy are:

  • Defense costs outside of the limits
  • Full consent to settle
  • Regulatory proceeding insurance
  • Cyber liability insurance
  • Business entity coverage
  • Licensing action defense

Minnesota Tort Reform Summary

While there is no cap on any damages in medical liability lawsuits filed in Minnesota the state's legislature has passed several other protections to help ward off frivolous claims made against physicians and surgeons. The standing liability reforms are as follows:

  • Although not required, a system of voluntary, non-binding Alternative Dispute Resolution processes has been established
  • Expert Witness Testimony is required especially with regard to breaches of the standard of care
  • An affidavit or Certificate of Merit is required to be filed within 180 days of filing a claim against a physician or surgeon

Statutes of Limitations:

  • Within four years of the date of incident
  • Within one year in cases of wrongful death
  • For cases involving an infant, the plaintiff has until they reach the "age of maturity" to file a claim

Major Minnesota Malpractice Insurance Companies

  • MMIC
  • ProAssurance
  • Coverys
  • Medical Protective
  • The Doctors Company
  • Medicus Insurance Company
  • Applied Medico-Legal Solutions, RRG
  • Oceanus Insurance Company, RRG

Minnesota 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 $1m / $3m limits

SpecialtyAverage RateMin RateMax RateCount
Family Practice No Surgery$5,067$3,860$7,5563176
Internal Medicine No Surgery$5,538$3,860$9,0351962
Occupational Medicine$3,354$1,930$5,2561948
Pediatrics No Surgery$4,796$3,638$7,556871
Emergency Medicine$11,745$8,493$19,711833
Radiology - Diagnostic$6,140$3,783$9,528769
Obstetrics and Gynecology Major Surgery$22,844$15,133$32,852603
General Surgery$14,515$11,166$19,711510
Orthopedic Surgery No Spine$14,327$9,651$19,711490
Cardiovascular Disease Minor Surgery$7,942$5,405$12,484466
Neurology No Surgery$7,056$4,826$11,170417
Gastroenterology No Surgery$6,098$3,626$11,170337
Ophthalmology No Surgery$3,531$3,088$4,600331
* 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.

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 Minnesota.

Minnesota Medical Malpractice Rate Range Chart

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 Minnesota compares to other states.

Malpractice Rate Heat Map - United States