Surgeons and medical professionals in Utah in search of medical malpractice coverage need robust coverage to protect their reputations and their healthcare facilities. However, since coverage for physicians and other medical professionals is expensive and can be complex in Utah, many professionals turn to Arthur J. Gallagher & Co.

Arthur J. Gallagher & Co.’s Healthcare Practice offers many benefits if you are looking for medical malpractice insurance in Utah:

  • We seek out the claims-free, risk management, new-to-practice and other discounts for which you may be eligible.
  • We do all the work of seeking the right insurance fit at the right price, so you can focus on your practice.
  • We bring you multiple quotes from both A-rated and alternative markets, so you can compare to find the right fit.
  • Our liability specialists will examine your needs, bringing you custom solutions for your coverage requirements.
  • You will not need separate tail coverage, as your Prior Acts Coverage will be included.
  • We work with virtually every malpractice insurance carrier across the country, meaning we can tap into a wider knowledge of the industry to bring you the right solutions.
  • As experts in the medical malpractice market, we are a one-stop-solution for your needs.

Medical Malpractice Insurance in Utah: What You Need to Know

In Utah, medical malpractice insurance is expensive, but is lower than other states. For neurosurgeons, spinal orthopedic surgeons and other specialists in high-risk areas, annual base rate premiums can be higher than $100,000. However, rate relief has taken hold in this state, making Utah a more physician-friendly area.

Utah’s malpractice insurance rates started to climb in 1975, following a number of medical malpractice lawsuits across the country, which led to insurers closing and insurance rates climbing. As a result of these changes, Utah enacted the Utah Health Care Malpractice Act to regulate how medical malpractice litigation would be handled.

The Act has seen a number of amendments since its enactment, most notably in 1986, when the state added a $250,000 cap for non-economic damages in medical malpractice claims. In addition to the cap, the amendment requires pre-litigation screening by a panel and also eliminates joint-and-several liability. This means claims were considered for their merit before they are allowed to move forward, and defendants can only be held liable for the percentage of their own fault.

Together, these changes serve to lower medical malpractice insurance rates from their 1975 high.

In 1999, the Act was again amended to encourage arbitration. Under the amendment, patients and doctors could sign an agreement stating that, in the case of a disagreement, both parties agreed to a binding arbitration instead of civil trial. Patients needed to be made aware of the arbitration and its terms verbally and in writing, and other terms needed to be met as well.

Ultimately, this arbitration agreement process was dropped after backlash and after the Utah Supreme Court refused to enforce the arbitration agreement signed by a patient and healthcare provider. Instead, the state decided to use caps to keep medical malpractice costs affordable. In 2001, the cap for non-economic damages in medical malpractice claims was increased to $400,000.

Fast Insurance Facts

  • Physicians in Utah carry limits of $1 million/$3 million.
  • In 2004, in Judd v. Drezga, the Utah Supreme Court upheld the non-economic damages cap.
  • In 2010, Utah Health Care Malpractice Act was amended again, mandating an affidavit of merit for all medical malpractice cases and establishing a hard cap of $450,000 for non-economic damages.


In Utah, medical malpractice has come a long way. Thanks to a non-economic damages cap, physicians in the state do enjoy a lower premium rate than those in other parts of the country. However, looking for the right insurance coverage is still important to protect your professional future and reputation. When you want real-world solutions, customized coverage options and plenty of choice to find the right fit, contact Gallagher Healthcare.

We’ll listen to you and bring you custom solutions for your medical malpractice insurance needs.

Insurance Companies in Utah

  • MMIC Insurance Group
  • CNA Insurance Companies
  • Berkshire Hathaway Insurance Group (Medical Protective)
  • Mutual Insurance of Arizona Group
  • Doctors Company Insurance Group
  • ProAssurance Insurance Group
  • NORCAL Group

Utah 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
Family Practice No Surgery$9,836$5,913$14,339888
Internal Medicine No Surgery$11,783$7,071$14,339471
Pediatrics No Surgery$11,397$5,913$14,339456
Emergency Medicine$27,647$15,426$35,968391
Occupational Medicine$7,169$4,113$10,223388
Obstetrics and Gynecology Major Surgery$54,243$25,710$71,695267
Radiology - Diagnostic$14,386$7,457$17,924216
Orthopedic Surgery No Spine$31,988$15,426$44,691190
General Surgery$38,687$15,426$57,617156
Ophthalmology No Surgery$8,109$3,600$11,471145
Cardiovascular Disease Minor Surgery$19,095$9,770$27,441112
Neurology No Surgery$18,036$8,742$27,441107
Gastroenterology No Surgery$11,541$8,742$14,33990
* 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 Utah.

Utah 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 Utah compares to other states.

Malpractice Rate Heat Map - United States