Connecticut Professional Liability - 2025 Guide
Physicians in Connecticut face high malpractice insurance premiums, driven by limited competition in the insurance market and the state's legal environment. While claims and payouts have declined over the past decade, premiums remain stubbornly high.
Medical Malpractice Insurance Requirements in Connecticut
Connecticut requires physicians to maintain a minimum of $500,000 per occurrence and $1.5 million in aggregate malpractice insurance coverage. Failure to meet these requirements may result in disciplinary actions, including suspension or revocation of the physician's license. Despite these state mandates, many hospitals and health facilities further require malpractice insurance for physician credentialing and affiliation.
Occurrence vs Claims-Made Malpractice Policies in Connecticut
Claims-made policies are more commonly purchased in Connecticut, though occurrence policies are available.
Coverage applies to incidents that occur during the policy period, regardless of when the claim is filed.
Coverage applies to claims filed during the policy period, requiring tail coverage for future claims.
Leading Medical Malpractice Insurance Companies in Connecticut
In addition to the below insurers, DocShield typically provides your practice with quotes from several other highly rated insurers. Ratings provided by AM Best (the leading insurance credit rating agency).
MedPro
Coverys
ProAssurance
Liberty
Malpractice Insurance Cost in Connecticut
The data below represent undiscounted premiums. DocShield is often able to save practices 30-50% relative to these rates.
| Medical Specialty | Average Premium | Lowest Premium |
|---|---|---|
| Anesthesiology | $22,100 | $12,324 |
| Cardiovascular Disease - Minor Surgery | $23,900 | $16,147 |
| Dermatology - No Surgery | $9,900 | $6,798 |
| Emergency Medicine | $36,900 | $25,496 |
| Family Practice - No Surgery | $15,900 | $9,773 |
| Gastroenterology - No Surgery | $19,500 | $14,449 |
| General Practice - No Surgery | $16,000 | — |
| General Surgery | $62,500 | $25,496 |
| Internal Medicine - No Surgery | $16,400 | $11,687 |
| Neurology - No Surgery | $20,700 | $14,449 |
| Obstetrics and Gynecology - Major Surgery | $90,600 | $42,493 |
| Occupational Medicine | $9,900 | $6,798 |
| Ophthalmology - No Surgery | $10,700 | $5,950 |
| Orthopedic Surgery - No Spine | $46,100 | $25,496 |
| Pathology - No Surgery | $12,100 | $8,499 |
| Pediatrics - No Surgery | $15,600 | $9,773 |
| Psychiatry | $10,200 | $6,798 |
| Pulmonary Disease - No Surgery | $17,000 | $9,165 |
| Radiology - Diagnostic | $21,900 | $12,324 |
Working with Medical Malpractice Insurance Brokers in Connecticut
A licensed broker can help you navigate the administrative work involved in getting quotes and the nuances of choosing a policy that fits your particular practice. Importantly, brokers work for you, not a single insurer, so they can shop across multiple insurers to find you the most competitive premium for a high-quality policy.
Buy Affordable Malpractice Insurance with Docshield
We've built the fastest application process in the industry so you don't have to disrupt your schedule to shop for coverage. After you select a policy, we automatically scan the market every year before renewal to ensure you're paying a fair price.
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Connecticut Statute of Limitations
The statute of limitations for malpractice claims in Connecticut is two years from the date of discovery, with a three-year statute of repose barring actions beyond this period. This means that a patient must file a lawsuit within two years of realizing they were harmed, but no later than three years from the actual date of the malpractice, even if they were unaware of the harm initially.
Tort Reform in Connecticut
Connecticut has not implemented damage caps but has adopted several reforms to manage the cost and frequency of claims. Key measures include limits on attorney fees and periodic payments for large settlements. Joint-and-several liability reform has also been enacted, meaning a defendant is only responsible for their portion of damages, not the entire amount. The state also requires a Certificate of Good Faith and Written Opinion Letter for filing lawsuits, aiming to curtail frivolous claims.