Kansas 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
45th highest state
Damage Caps
Kansas Professional Liability - 2025 Guide
Kansas offers a physician-friendly malpractice insurance landscape, characterized by moderate premiums and a variety of insurers. The state's Health Care Provider Insurance Availability (HCPIA) Act of 1976 established key reforms, including the creation of the Health Care Stabilization Fund (HCSF), which provides excess coverage beyond primary insurance requirements.
Medical Malpractice Insurance Requirements in Kansas
Kansas mandates that healthcare providers carry medical malpractice insurance with minimum coverage limits of $200,000 per claim and $600,000 annual aggregate. Providers must also participate in the HCSF, selecting one of three additional coverage tiers: $100,000/$300,000, $300,000/$900,000, or $800,000/$2.4 million. 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 Kansas
Claims-made policies are more commonly purchased in Kansas, though occurrence policies are 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 Kansas
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).
Curi
MedPro
ProAssurance
Liberty
Malpractice Insurance Cost in Kansas
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 | 7,100 | 3,733 |
| Cardiovascular Disease - Minor Surgery | 8,400 | 4,890 |
| Dermatology - No Surgery | 4,200 | 2,059 |
| Emergency Medicine | 13,600 | 7,722 |
| Family Practice - No Surgery | 5,500 | 2,960 |
| Gastroenterology - No Surgery | 7,100 | 4,376 |
| General Practice - No Surgery | 5,500 | 2,960 |
| General Surgery | 19,400 | 7,722 |
| Internal Medicine - No Surgery | 5,900 | 3,539 |
| Neurology - No Surgery | 7,300 | 4,376 |
| Obstetrics and Gynecology - Major Surgery | 25,700 | 12,869 |
| Occupational Medicine | 4,000 | 2,059 |
| Ophthalmology - No Surgery | 4,100 | 1,802 |
| Orthopedic Surgery - No Spine | 18,200 | 7,722 |
| Pathology - No Surgery | 5,000 | 2,574 |
| Pediatrics - No Surgery | 4,900 | 2,960 |
| Psychiatry | 4,300 | 2,059 |
| Pulmonary Disease - No Surgery | 7,000 | 4,376 |
| Radiology - Diagnostic | 7,200 | 3,733 |
Working with Medical Malpractice Insurance Brokers in Kansas
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.
Kansas Claims Payouts
Historical trends of medical malpractice claims and payouts in Kansas
Kansas Statute of Limitations
Medical malpractice claims must be filed within two years of the injury or when it should have been reasonably discovered. The statute of repose limits claims to no more than four years after the malpractice incident, except in cases of wrongful death, which also have a two-year limitation.
Tort Reform in Kansas
Kansas has implemented significant tort reforms, including: i) caps on noneconomic damages initially set at $250,000 in 1988 (later ruled unconstitutional by the Kansas Supreme Court), ii) the mandatory participation of healthcare providers in the HCSF for excess coverage, iii) a requirement for healthcare providers to obtain tail coverage from the HCSF upon retirement or relocation, and iv) reforms ensuring the availability of malpractice insurance through state-admitted insurers. These measures have contributed to the state's favorable liability climate.