A unique aspect of the Massachusetts Medical Malpractice Insurance Market is that physicians and surgeons are required to have a medical professional liability insurance policy. Conversely, the Massachusetts malpractice insurers are required to make available to all healthcare providers their insurance products and not exclude any one specialty or scope of practice. Due to the requirement placed on the doctors in The Bay State one can imagine the competition among the physician insurers attempting to gather as much market share as possible. The largest portion of Massachusetts physicians and surgeons is insured by Coverys (previously ProMutual), representing approximately 40% of the market. All types of insurance companies are active in Massachusetts from standard, admitted insurers and Risk Retention Groups to excess and surplus-lines insurers—all physicians and surgeons can find premium savings, those with claims, those without, and even those with Medical Board actions made against them.

Common Massachusetts 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

Massachusetts Tort Reform

Massachusetts Tort Reform is not all encompassing; however, since 1986 this legislation has provided helpful limitations to medical liability lawsuits. Non-economic damages (i.e. Pain and Suffering) are capped at $500,000 and a three year statute of limitations is in place for filing these malpractice claims—this begins at the date of injury.

Major Malpractice Insurance Companies

  • Coverys
  • Medical Protective
  • ProAssurance
  • The Doctors Company
  • Connecticut Medical Insurance Company

Massachusetts 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

SpecialtyAverage RateMin RateMax RateCount
Internal Medicine No Surgery$12,697$7,955$15,7967363
Pediatrics No Surgery$9,556$6,652$14,3392386
Occupational Medicine$6,491$4,627$7,6772138
Family Practice No Surgery$11,836$6,652$14,5161775
Radiology - Diagnostic$14,926$8,389$18,4661597
Emergency Medicine$27,357$17,354$33,1701454
General Surgery$36,225$17,354$48,3051132
Obstetrics and Gynecology Major Surgery$68,230$28,924$104,0711077
Cardiovascular Disease Minor Surgery$17,247$10,991$20,6761001
Neurology No Surgery$15,408$9,835$18,466798
Orthopedic Surgery No Spine$33,852$17,354$48,353796
Pathology No Surgery$10,591$5,785$14,516788
Ophthalmology No Surgery$7,733$4,050$11,471755
* 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 Massachusetts.

Massachusetts 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 Massachusetts compares to other states.

Malpractice Rate Heat Map - United States