Michigan Medical Malpractice Insurance

Guaranteed Malpractice Coverage for Michigan Physicians

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  • Every Specialty & Facility in Michigan
  • “Stand Alone” Tail Coverage Available
  • Coverage Available for Doctors with Prior Medical Malpractice Claims
  • Claims Free & Board Certified Discounts
  • Multiple Quotes on Rates
  • Occurrence & Claims-Made Coverage
  • Save an Average of 25% on Premium
  • “A” Rated Risk Retention Groups & Admitted Insurance Companies
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The Basics

Tort Reform

Michigan has a limitation or cap on non-economic damages in medical malpractice cases, which was set at $280,000 in 1993. The cap is adjusted for inflation each year and is now up to $433,400. In addition, the cap is increased to $774,000 in some cases such as permanent functional loss of limb, permanent cognitive impairment, or permanent loss of reproduction. There is no cap on economic damages for medical expenses or lost income. In an effort to reduce the number of frivolous claims Michigan has a mandatory review of all malpractice suits. A mediation panel reviews the case and gives a written evaluation to both sides. If either side rejects the panel’s evaluation and the case goes to trial and they lose, they must pay the opposing side’s costs.

Statute of Limitations

In Michigan a patient has 2 years from the date of the medical care or incident to file a medical malpractice suit. The state also allows for a claim to be filed within 6 months of the date of discovery or when the plaintiff reasonably should have discovered the problem, but this extension is limited to 6 years after the original incident. As with most states there are exceptions for minors; in most cases until the minor’s 10th birthday, and after that the 2 year limit applies.

Liability Limits

Michigan, like most states, does not have legally mandated minimum limits of liability coverage a doctor must carry. However, it is advisable for physicians to carry the standard $1M/$3M coverage limits.

Summary of the Michigan Medical Malpractice Insurance Market

Medical malpractice claims have steadily and consistently declined in Michigan for several years. The number of claims filed and the severity of payouts has decreased creating a favorable environment for physicians to practice medicine. In addition, insurance carriers see medical malpractice insurance profits in the state, which has pushed rates down and improved the availability of coverage. With competition, patient safety, and reforms Michigan’s insurance market should not see any significant changes in the near future.

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Michigan Physicians Save on Medical Malpractice Insurance

  • Quotes from Multiple “A++” Rated Michigan Medical Malpractice Insurance Companies —
    Compare premiums to get the highest quality coverage at the lowest rates possible.
  • Coverage is Available in All 50 States for Michigan Physicians
  • Prior Acts Coverage Included —
    No need to purchase separate tail coverage.
  • Access to Multiple Discounts —
    • New to Practice Discounts
    • Claims Free Discounts
    • Medical Group Discounts
    • Part-Time Practice Discounts
    • Years in Practice Discounts
    • American Board Certified Discounts
  • Coverage for All Types of Procedures —
    Examples include, but are not limited to:
    • Medical Spa Procedures
    • Weight Loss (including HCG)
    • Bariatric Surgery

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We Provide Medical Malpractice Insurance to These Counties

Alcona

Alger

Allegan

Alpena

Antrim

Arenac

Baraga

Barry

Bay

Benzie

Berrien

Branch

Calhoun

Cass

Charlevoix

Cheboygan

Chippewa

Clare

Clinton

Crawford

Delta

Dickinson

Eaton

Emmet

Genesee

Gladwin

Gogebic

Grand Traverse

Gratiot

Hillsdale

Houghton

Huron

Ingham

Ionia

Iosco

Iron

Isabella

Jackson

Kalamazoo

Kalkaska

Kent

Keweenaw

Lake

Lapeer

Leelanau

Lenawee

Livingston

Luce

Mackinac

Macomb

Manistee

Marquette

Mason

Mecosta

Menominee

Midland

Missaukee

Monroe

Montcalm

Montmorency

Muskegon

Newaygo

Oakland

Oceana

Ogemaw

Ontonagon

Osceola

Oscoda

Otsego

Ottawa

Presque Isle

Roscommon

Saginaw

Sanilac

Schoolcraft

Shiawassee

St. Clair

St. Joseph

Tuscola

Van Buren

Washtenaw

Wayne

Wexford