Montana Medical Malpractice Insurance

Montana has a strong market for medical malpractice insurance. Costs are kept down by tort reform, which is designed to prevent unnecessary legal action and increased litigation and insurance costs. In addition, Montana has a number of medical malpractice insurance providers. This environment of competition has helped keep Montana's medical malpractice insurance rates lower, on average, than the rest of the country.

Gallagher's insurance professionals can help medical practitioners in Montana navigate this environment and leverage the competitive carrier marketplace to produce aggressive rates and appealing coverage structures.

Gallagher Healthcare is a subsidiary of the 4th largest global insurance brokerages, Arthur J. Gallagher & Co. Our boutique, "small-agency feel" focus on the healthcare space compliments the market leverage and product expertise provided by the larger Gallagher industry presence. Our knowledgeable and responsive insurance professionals can show you how our unique approach will produce a range of attractive options for any sized practice.

Good medical malpractice coverage should do more than simply save you money — it should also provide peace of mind and help protect the valuable practice and professional reputation you have built. Gallagher Healthcare can help design and manage the insurance program which offers the correct terms and protection, all at the right price. Our collaborate methodology incorporates your specific needs to produce a personalized solution that fits regardless of practice structure, specialty or experience.

To find out more, contact Gallagher Healthcare or call us at 800.634.9513 with your questions.

What You Need to Know About Medical Malpractice Insurance in Montana

Montana has progressive general liability and medical malpractice laws, having addressed reform multiple times over the past decade. Montana has a cap of 3% of the defendant's net worth, or $10 million (whichever is smaller) for punitive damages. Punitive damages in medical malpractice cases can only be awarded in cases where there is evidence of malice or fraud.

In addition, Montana has a non-economic damages cap of $250,000. If total damages are over $50,000, Montana requires damages to be offset by collateral sources of income. If a plaintiff has been awarded disability insurance, for example, the total insurance payment is deducted from the damages awarded.

Before a medical malpractice claim can proceed in Montana, parties must present evidence before a medical legal panel of three attorneys and three healthcare providers. This panel can determine the merits of the case and facilitate arbitration and mediation. However, these findings are non-binding.

Fast Facts

  • The statute of limitations for most medical malpractice claims is three years.
  • Tort reforms in the state are similar to those suggested by the Congressional Budget Office (CBO).
  • In 2013, there were 66 active insurance companies in the state.


Montana has a very advantageous environment for physicians. Tort reforms support fair and equitable resolutions of problems and discourage frivolous suits, and Montana would argue, are based on Congressional Budget Office (CBO) recommendations designed to reduce the cost of healthcare delivery.

Do you need medical malpractice insurance in Montana? Are you wondering whether your insurance matches the demands of the market and your own needs? Gallagher Healthcare works on your behalf to help you resolve these questions. We will:

  • Compare alternative markets and A-rated insurance carriers for you.
  • Negotiate pricing with insurance companies.
  • Compare medical malpractice insurance solutions.
  • Bring you multiple quotes, so you can review your options.
  • Answer your questions about medical malpractice insurance.
  • Listen to your concerns and craft individualized insurance solutions for you.
  • Address any insurance concerns or coverage gaps.

At Gallagher Healthcare, we understand how important it is for your practice to have tailored medical malpractice solutions designed to address your needs. No two practices are the same. Whether you are part of a higher-risk specialty, work in multiple environments, work in multiple states or have other unique needs, Gallagher Healthcare can discuss your needs with you and help you find the right coverage as well as the right price.

Popular Medical Malpractice Insurance Companies in Wyoming

  • MMIC Insurance Group
  • Mountain States Healthcare RRRG
  • Doctors Company Insurance Group (TDC)
  • The Medical Protective Company
  • COPIC Insurance Company
  • ProAssurance Insurance Group
  • CNA Insurance Companies
  • Coverys Companies
  • The Cincinnati Insurance Companies
  • NCMIC Group
  • Ironshore Insurance Group
  • NORCAL Specialty Insurance Company
  • Capson Physicians Insurance Company

Contact Gallagher Healthcare today to explore your options.

Montana 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$14,405$6,816$21,805529
Occupational Medicine$8,329$4,741$12,907264
Internal Medicine No Surgery$14,582$8,151$18,839224
Emergency Medicine$33,572$17,783$41,186129
Obstetrics and Gynecology Major Surgery$72,247$29,638$93,53398
Pediatrics No Surgery$13,939$6,816$17,85194
Orthopedic Surgery No Spine$48,264$17,783$84,39588
Radiology - Diagnostic$20,778$8,596$36,89384
General Surgery$55,848$17,783$88,04984
Ophthalmology No Surgery$8,002$4,150$13,23658
Cardiovascular Disease Minor Surgery$25,005$11,262$40,59146
Pathology No Surgery$12,778$5,928$18,83937
Gastroenterology No Surgery$15,224$10,078$18,18736
* 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 Montana.

Montana 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 Montana compares to other states.

Malpractice Rate Heat Map - United States