Minnesota 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
5th highest state
Damage Caps
Minnesota Professional Liability - 2025 Guide
Minnesota offers one of the lowest malpractice insurance premium rates in the United States. This favorable climate stems from a low frequency of claims, a structured legal framework, and the presence of competitive insurance carriers.
Medical Malpractice Insurance Requirements in Minnesota
Minnesota does not require physicians to carry malpractice insurance, but many hospitals and healthcare facilities require it. Physicians typically carry $1 million per claim and $3 million annual aggregate in liability limits.
Occurrence vs Claims Made Malpractice Policies in Minnesota
Both claims-made and occurrence policies are available. Claims-made policies are initially more affordable but require tail coverage upon termination. Occurrence policies have higher premiums but provide permanent coverage for incidents during the policy term.
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 Minnesota
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
COPIC
Chubb
Malpractice Insurance Cost in Minnesota
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 | 5,900 | 3,860 |
| Cardiovascular Disease - Minor Surgery | 7,900 | 5,405 |
| Dermatology - No Surgery | 3,500 | 2,073 |
| Emergency Medicine | 11,700 | 8,493 |
| Family Practice - No Surgery | 5,100 | 3,860 |
| Gastroenterology - No Surgery | 6,100 | 3,626 |
| General Surgery | 14,500 | 11,166 |
| Internal Medicine - No Surgery | 5,500 | 3,860 |
| Neurology - No Surgery | 7,100 | 4,826 |
| Obstetrics and Gynecology - Major Surgery | 22,800 | 15,133 |
| Occupational Medicine | 3,400 | 1,930 |
| Ophthalmology - No Surgery | 3,500 | 3,088 |
| Orthopedic Surgery - No Spine | 14,300 | 9,651 |
| Pathology - No Surgery | 4,000 | 2,388 |
| Pediatrics - No Surgery | 4,800 | 3,638 |
| Psychiatry | 3,500 | 2,346 |
| Pulmonary Disease - No Surgery | 6,400 | 3,199 |
| Radiology - Diagnostic | 6,100 | 3,783 |
Working with Medical Malpractice Insurance Brokers in Minnesota
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.
Minnesota Claims Payouts
Historical trends of medical malpractice claims and payouts in Minnesota
Minnesota Statute of Limitations
Minnesota requires malpractice claims to be filed within four years from the date of the alleged incident. For wrongful death cases, the statute of limitations is three years. Minors have until the age of 18 to file a claim, provided the original statute of limitations does not exceed seven years.
Tort Reform in Minnesota
Minnesota's tort reforms include: i) the 1986 Statute 145.682, which requires an affidavit of merit within 180 days of filing, ii) expert testimony requirements to validate negligence claims, iii) voluntary alternative dispute resolution mechanisms encouraging pre-trial settlements, and iv) no caps on economic or noneconomic damages. This balanced liability environment prioritizes patient recourse while maintaining low premiums.