About Kansas Medical Malpractice Insurance

The Kansas medical malpractice insurance market is stable and the presence of multiple carriers provides competitive options for physicians. By law, all healthcare providers in the state of Kansas must hold professional liability insurance. The insurance policy must provide per claim limits of $200,000 and an aggregate limit of $600,000. The Kansas Department of Insurance will only allow physicians to purchase insurance from a state admitted carrier. Admitted carriers are backed by the state guarantee and are regulated by the Department of Insurance.

The state legislature created the Health Care Provider Insurance Availability Plan to provide insurance for those physicians who cannot obtain commercial state admitted insurance coverage because of nontraditional practice or claims. To be covered by the Availability Plan physicians must have two declination letters from two separate carriers.

Healthcare providers are also required to participate in the Health Care Stabilization Fund (HCSF), which provides additional coverage on top of their commercial carrier policy. Healthcare providers are to select one of three options for additional coverage provided by the HCSF and are then charged a surplus on their premium. Those options include a per claim limit with an aggregate limit of:

• $100,000 per claim with $300,000 annual aggregate
• $300,000 per claim with $900,000 annual aggregate
• $800,000 per claim with $2,400,000 annual aggregate

With one exception, there are no additional charges from the Fund for physicians practicing in other states outside of Kansas. However, physicians practicing in both Missouri and Kansas are assigned a 25% surcharge.

Insurance Companies in Kansas:

• Kansas Medical Mutual Insurance Company
• Medical Protective Insurance Company
• ProAssurance Company, Inc.
• Medicus Insurance Company
• Professional Solutions Insurance Company
• Intermed Insurance Company
• The Doctors Company
• Midwest Medical Insurance Company