Utah 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
Highest in nation
Damage Caps
Utah Professional Liability - 2025 Guide
Utah maintains a stable medical malpractice insurance environment with relatively low premiums. The state's comprehensive tort reforms, including caps on non-economic damages and the Utah Health Care Malpractice Act, have helped create a predictable liability climate.
Medical Malpractice Insurance Requirements in Utah
Utah requires physicians to carry minimum coverage of $1 million per occurrence and $3 million aggregate to qualify for liability limits under state law. 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 Utah
Claims-made policies are more commonly purchased in Utah, though occurrence policies are available. Claims-made policies typically have lower initial premiums but require tail coverage when terminated.
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 Utah
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).
MedPro
ProAssurance
The Doctors Company
Liberty
Malpractice Insurance Cost in Utah
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 | 13,500 | 7,457 |
| Cardiovascular Disease - Minor Surgery | 20,800 | 9,770 |
| Dermatology - No Surgery | 7,900 | 4,113 |
| Emergency Medicine | 24,200 | 15,426 |
| Family Practice - No Surgery | 10,100 | 5,913 |
| Gastroenterology - No Surgery | 12,400 | 8,742 |
| General Practice - No Surgery | 11,000 | N/A |
| General Surgery | 39,100 | 15,426 |
| Internal Medicine - No Surgery | 10,800 | 7,071 |
| Neurology - No Surgery | 16,600 | 8,742 |
| Obstetrics and Gynecology - Major Surgery | 52,800 | 25,710 |
| Occupational Medicine | 7,100 | 4,113 |
| Ophthalmology - No Surgery | 7,600 | 3,600 |
| Orthopedic Surgery - No Spine | 32,600 | 15,426 |
| Pathology - No Surgery | 8,200 | 5,142 |
| Pediatrics - No Surgery | 11,300 | 5,913 |
| Psychiatry | 7,500 | 4,113 |
| Pulmonary Disease - No Surgery | 14,200 | 8,742 |
| Radiology - Diagnostic | 14,300 | 7,079 |
Working with Medical Malpractice Insurance Brokers in Utah
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.
Utah Claims Payouts
Historical trends of medical malpractice claims and payouts in Utah
Utah Statute of Limitations
Utah's statute of limitations for medical malpractice claims is two years from discovery of the injury but no more than four years from the date of the incident. For minors, claims must be filed within two years of their 18th birthday.
Tort Reform in Utah
Utah's tort reforms include: i) a $450,000 cap on non-economic damages (adjusted annually for inflation), ii) pre-litigation panel review requirements, iii) periodic payment options for future damages exceeding $100,000, and iv) affidavit of merit requirements from a healthcare provider in the same specialty.