The Connecticut medical malpractice insurance market has long been described as being “in crisis-mode”. High premiums and few market options have been the reality for physicians, surgeons, and facility administrators for as long as most can remember. Many small practices or solo practitioners have been forced to close their doors or join larger multi-specialty groups due to instability in the insurance marketplace or unaffordable premiums. While there haven’t been any new entrants into the marketplace there has been some calming with regard to claim frequency over the last ten to fifteen years. The number of indemnity payments paid since the peak of 225 in 2003 has dropped by 41% by the year 2015 for a total of 95 payments via settlement or jury award.

 
 

Common Connecticut policy features include:

  • Claims-Made or occurrence policy forms
  • Full physician consent-to-settle
  • AM Best ratings of A- or better
  • Defense costs outside the limits
  • Free tail upon retirement, death, or disability
  • Complementary coverage for regulatory actions including: HIPAA/HITECH Violations, Medical Board license defense, Billing Errors & Omissions, Cyber Liability

Connecticut Tort Reform

Connecticut has not passed any meaningful tort reform in the form of damage caps. However, the Constitution State’s legislature has introduced some protections to aid the reduction of the number of frivolous lawsuits as follows:

  • Requiring a Certificate of Good Faith, Reasonable Inquiry & Written Opinion Letter
  • Statute of Limitations in which no action can be brought after two years from the date of injury or discovery
  • Statute of Repose which bars actions occurring after three years from the date of injury\

These reforms have certainly reduced the number of claims filed from year-to-year since 2003 but the average indemnity payment (across all specialties) has remained on a steady upward trend and currently sits at $602,547 which is 184% higher than the national average. These factors are most certainly the driver behind the limited coverage availability and relatively high premiums experienced by Connecticut physicians and surgeons.

Major Connecticut Malpractice Insurance Companies

  • Coverys
  • Connecticut Medical Insurance Company
  • Medical Protective
  • Ironshore Insurance Group
  • ProAssurance Indemnity

Connecticut Medical Malpractice Insurance Rates - Top 15 Specialties

Undiscounted State Filed Rate Data averages across all territories for $1m / $3m limits

SpecialtyAverage RateMin RateMax RateCount
Internal Medicine No Surgery$15,536$11,687$19,3852045
Psychiatry$11,153$6,798$15,508955
Occupational Medicine$8,246$6,798$9,693909
Pediatrics No Surgery$14,579$9,773$19,385830
Family Practice No Surgery$14,579$9,773$19,385661
Emergency Medicine$34,072$25,496$42,647590
Obstetrics and Gynecology Major Surgery$69,710$42,493$96,926543
Radiology - Diagnostic$18,278$12,324$24,232529
Anesthesiology$15,855$12,324$19,385528
Cardiovascular Disease Minor Surgery$21,643$16,147$27,139390
Ophthalmology No Surgery$10,729$5,950$15,508319
General Surgery$41,826$25,496$58,156319
Orthopedic Surgery No Spine$36,980$25,496$48,463302
Gastroenterology No Surgery$16,917$14,449$19,385299
Pulmonary Disease No Surgery$19,341$14,449$24,232234
* Please note that the above rates are state filed rates. It is not uncommon for Gallagher Healthcare clients to receive up to 50% or more in discounts from state filed rates. Please Request a Quote to receive a custom premium indication.

Rate Range by Specialty

This chart compares the range of possible state filed medical malpractice premium rates by admitted markets and a few Gallagher Select markets broken out by the top 15 specialties in Connecticut.

Connecticut Medical Malpractice Rate Range Chart

USA Ranking Map

The map below provides a visual display of the nation and compares what a typical primary care physician might pay compared to each individual state and county. This research is based on the average rate for a single specialty, the most common limits in that state, and the mature claims made premium. The darker the blue, the higher the average premium, see how Connecticut compares to other states.

Malpractice Rate Heat Map - United States