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

Kansas Medical Malpractice Insurance Rates - Top 15 Specialties

Undiscounted State Filed Rate Data averages across all territories for $200K / $600K limits

SpecialtyAverage RateMin RateMax RateCount
Family Practice No Surgery$5,084$2,960$6,7401629
Internal Medicine No Surgery$5,482$3,539$7,352850
Occupational Medicine$4,112$2,059$5,580624
Pediatrics No Surgery$4,839$2,960$6,127404
General Surgery$18,211$7,722$25,734324
Obstetrics and Gynecology Major Surgery$25,966$12,869$32,240301
Emergency Medicine$13,515$7,722$22,320280
Radiology - Diagnostic$6,843$3,733$10,111248
Orthopedic Surgery No Spine$17,686$7,722$27,900241
Ophthalmology No Surgery$3,994$1,802$5,580150
Neurology No Surgery$6,142$4,376$8,371139
Pathology No Surgery$5,213$2,574$8,884133
Cardiovascular Disease Minor Surgery$6,965$4,890$8,597126
* 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 Kansas.

Kansas 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 Kansas compares to other states.

Malpractice Rate Heat Map - United States