The medical malpractice insurance market in Alabama has some of the nation's lowest insurance premiums. This particular market has also significantly stabilized mostly due to the relatively calm legal climate in the state. The market is dominated by ProAssurance carrying about a 50% market share; however, new carriers have been attracted to Alabama in recent years. We've seen at least two or three new insurers enter the Alabama medical malpractice insurance market within the last two years. Physicians and Surgeons are largely unaware of the increased competition and new options though--there are at least ten physician insurers that are competing heavily while offering all of the important policy features. Some of the policy features one can expect on their Alabama medical malpractice insurance policy are:
- Defense costs outside of the limits
- Full consent to settle
- Business entity coverage
- Licensing action defense
- Regulatory proceeding insurance
- Cyber liability insurance
Alabama Tort Reform Summary
In 1987, the Alabama legislature passed fairly comprehensive tort reform measures including a cap on non-economic damages for medical liability cases, a total damage cap for wrongful death cases, a cap on punitive damages, and a prohibition on "venue shopping" for wrongful death cases. Further, the statute of limitations is two years from the date of the wrongful act unless it could not reasonably be discovered within two years, then the suit must be brought within six months of discovery. For minors under the age of four, the statute of limitations begins once the child reaches eight years old.
Unfortunately, the cap on non-economic damages of $400,000 was declared unconstitutional as a violation of the right to trial by jury. However, the wrongful death damage cap stands at $1,000,000.
Major Alabama Medical Malpractice Insurance Companies
- Medical Protective
- Medicus Insurance Company
- The Doctors Company
- MAG Mutual Insurance Company
Medical Malpractice Insurance Rates By Specialty (Top 15)
Rates depend greatly on specialty. Physicians offering high-risk care, such as surgeons, have higher rates than doctors in lower-risk areas. Prices will vary, though, based on your claim history and location in addition to your specialty. Always talk to an insurance expert to get a more specific quote for your malpractice insurance.
Below are undiscounted state filed rate data averages across all territories for
$1m / $3m limits
* 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.
|Specialty||Average Rate||Min Rate||Max Rate||Count
|Family Practice No Surgery||$7,045||$5,831||$8,272||1458
|Internal Medicine No Surgery||$7,406||$6,503||$8,272||1318
|Pediatrics No Surgery||$7,283||$5,831||$9,148||628
|Radiology - Diagnostic||$8,757||$6,503||$10,931||445
|Obstetrics and Gynecology Major Surgery||$38,426||$30,303||$41,737||399
|Orthopedic Surgery No Spine||$22,405||$15,212||$26,774||301
|Cardiovascular Disease Minor Surgery||$10,719||$9,634||$11,581||265
|Ophthalmology No Surgery||$4,765||$3,550||$6,618||232
|Gastroenterology No Surgery||$8,634||$7,484||$10,035||182
|Pathology No Surgery||$6,247||$3,504||$7,484||181
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 Alabama.
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 Alabama compares to other states.