Alaska Medical Malpractice Insurance
Compare top-rated insurers and find the best coverage for your practice
Standard Limits
Per Claim / Per Year
Affordability Rank
of 50 states
Average Claim Payout
9th highest state
Damage Caps
Alaska Professional Liability - 2025 Guide
Alaska's malpractice premiums are relatively modest compared to other states, thanks to comprehensive tort reforms that have stabilized the insurance market. The state's unique Medical Indemnity Corporation (MICA) initially ensured all physicians could obtain coverage, fostering a stable and competitive market.
Medical Malpractice Insurance Requirements in Alaska
Alaska does not mandate malpractice insurance for physicians. Many healthcare facilities, however, require coverage for privileges. Common policy limits purchased are $200,000 per occurrence and $600,000 aggregate, though higher limits are also available. The first amount is how much your insurance provider will pay per claim, and the second amount indicates your annual limit.
Occurrence vs Claims Made Malpractice Policies in Alaska
Claims-made policies are more commonly purchased in Alaska, though occurrence policies are also available.
Coverage applies to incidents that occur during the policy period, regardless of when the claim is filed.
Coverage applies to claims filed during the policy period, requiring tail coverage for future claims.
Leading Medical Malpractice Insurance Companies in Alaska
In addition to the below insurers, DocShield typically provides your practice with quotes from several other highly rated insurers. Ratings provided by AM Best (the leading insurance credit rating agency).
ProAssurance
MedPro
The Doctors Company
Liberty
Malpractice Insurance Cost in Alaska
The data below represent undiscounted premiums. DocShield is often able to save practices 30-50% relative to these rates.
| Medical Specialty | Average Premium | Lowest Premium |
|---|---|---|
| Anesthesiology | 10,100 | 8,700 |
| Cardiovascular Disease - Minor Surgery | 13,600 | 11,398 |
| Emergency Medicine | 19,400 | 17,997 |
| Family Practice - No Surgery | 8,700 | 6,899 |
| Gastroenterology - No Surgery | 10,600 | 9,927 |
| General Practice - No Surgery | 8,400 | 6,899 |
| General Surgery | 26,100 | 17,997 |
| Internal Medicine - No Surgery | 8,900 | 8,250 |
| Neurology - No Surgery | 12,100 | 10,199 |
| Obstetrics and Gynecology - Major Surgery | 42,200 | 29,995 |
| Occupational Medicine | 5,500 | 4,799 |
| Ophthalmology - No Surgery | 6,300 | 4,200 |
| Orthopedic Surgery - No Spine | 22,300 | 17,997 |
| Pathology - No Surgery | 7,500 | 5,999 |
| Pediatrics - No Surgery | 8,400 | 6,899 |
| Psychiatry | 6,300 | 4,799 |
| Radiology - Diagnostic | 10,200 | 8,700 |
Working with Medical Malpractice Insurance Brokers in Alaska
A licensed broker can help you navigate the administrative work involved in getting quotes and the nuances of choosing a policy that fits your particular practice. Importantly, brokers work for you, not a single insurer, so they can shop across multiple insurers to find you the most competitive premium for a high quality policy. This is especially important for medical malpractice insurance policies because premiums often vary significantly for the same doctor from one insurer to another.
Buy Affordable Malpractice Insurance with DocShield
We've built the fastest application process in the industry so you don't have to disrupt your schedule to shop for coverage. After you select a policy, we automatically scan the market every year before renewal to ensure you're paying a fair price.
Our platform streamlines all outpatient coverage needs, including excess policies, tail coverage, and group policies. We typically drive 20-30% premium savings for our customers without sacrificing on coverage quality, which translates to hundreds of thousands in savings for specialists over the course of their careers.
Alaska Claims Payouts
Historical trends of medical malpractice claims and payouts in Alaska
Alaska Statute of Limitations
Alaska requires malpractice claims to be filed within two years of the date of the injury or death. For minors, the statute of limitations is tolled until the child's eighth birthday, ensuring adequate time for families to address claims involving young children.
Tort Reform in Alaska
Alaska has enacted robust tort reform measures, including caps on non-economic damages set at $250,000 for most cases and $400,000 for severe injuries or death. The state also limits punitive damages to $500,000 or three times compensatory damages, whichever is greater. These reforms have contributed to a stable and affordable malpractice insurance market.