The Wisconsin medical malpractice insurance marketplace is different than that of most states around the country. The main difference being that Wisconsin has what's referred to as a “Patient Compensation Fund”. It is required by Wisconsin law that every physician and CRNA participate in the Wisconsin Patient Compensation Fund. This program was developed in order to provide compensation to patients in cases where the physician's primary malpractice insurance limit is exhausted. According to current Wisconsin law, every physician and CRNA must purchase medical malpractice insurance with a limit of $1,000,000 per claim with a $3,000,000 aggregate.

Wisconsin, like that of many other states, has experienced rate decreases over the last several years with more carriers entering the state and with the overall “softening” of the commercial insurance marketplace. Wisconsin has also seen the number of paid claims drop significantly since 1991. In fact, Wisconsin ranks #50 out of 51 states in the claims frequency category.

Wisconsin Tort Reform

Wisconsin currently has damage caps in place for certain circumstances. Wisconsin non-economic damage cap is currently at $350,000. Wisconsin law has provision where if malpractice causes death to a minor then maximum non-economic damage cap is at $500,000

Wisconsin 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$5,014$4,763$5,3782873
Occupational Medicine$3,739$3,071$4,3062307
Internal Medicine No Surgery$5,487$5,119$5,6961837
Pediatrics No Surgery$4,359$3,198$5,378900
Emergency Medicine$11,636$9,061$13,953827
Radiology - Diagnostic$6,449$6,007$6,986806
Obstetrics and Gynecology Major Surgery$21,519$18,162$24,403580
General Surgery$15,229$12,427$20,462535
Orthopedic Surgery No Spine$12,635$11,693$13,785488
Ophthalmology No Surgery$3,235$2,900$3,770414
Cardiovascular Disease Minor Surgery$7,618$7,462$7,870355
Neurology No Surgery$6,452$5,863$7,042294
Gastroenterology No Surgery$6,983$5,646$8,261274
* 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 Wisconsin.

Wisconsin 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 Wisconsin compares to other states.

Malpractice Rate Heat Map - United States