Maine Professional Liability - 2025 Guide
Maine's malpractice insurance market is characterized by relatively low premiums compared to national averages. The market is dominated by the Medical Mutual Insurance Company of Maine, which controls over 60% of the state's malpractice premium market. Moderate tort reforms have also contributed to the state's stable liability climate.
Medical Malpractice Insurance Requirements in Maine
Maine does not mandate malpractice insurance for physicians. Typical policy limits are $1 million per claim and $3 million annual aggregate. The first amount is how much your insurance provider will pay per claim, and the second amount indicates your annual limit.
Occurrence vs Claims-Made Malpractice Policies in Maine
Claims-made policies are more commonly purchased in Maine, 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 Maine
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).
Medical Mutual (Maine)
MedPro
The Doctors Company
ProAssurance
Malpractice Insurance Cost in Maine
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 | $14,000 | $7,043 |
| Cardiovascular Disease - Minor Surgery | $13,800 | $9,227 |
| Emergency Medicine | $19,700 | $14,569 |
| Family Practice - No Surgery | $9,300 | $5,585 |
| Gastroenterology - No Surgery | $9,900 | $8,256 |
| General Surgery | $29,400 | $14,569 |
| Internal Medicine - No Surgery | $9,800 | $6,678 |
| Neurology - No Surgery | $11,600 | $8,256 |
| Obstetrics and Gynecology - Major Surgery | $45,700 | $24,282 |
| Occupational Medicine | $6,000 | $3,885 |
| Ophthalmology - No Surgery | $6,200 | $3,400 |
| Orthopedic Surgery - No Spine | $30,500 | $14,569 |
| Pathology - No Surgery | $7,100 | $4,856 |
| Pediatrics - No Surgery | $8,300 | $5,585 |
| Psychiatry | $6,800 | $3,885 |
| Pulmonary Disease - No Surgery | $11,100 | $8,256 |
| Radiology - Diagnostic | $10,800 | $7,043 |
Working with Medical Malpractice Insurance Brokers in Maine
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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Maine Statute of Limitations
Patients must file a malpractice claim within three years of the alleged negligent act. For cases involving foreign objects left in a patient's body, the claim must be filed within three years of discovery. Minors may have additional time depending on the specifics of the case.
Tort Reform in Maine
Maine's tort reforms include: i) a $500,000 cap on noneconomic damages for wrongful death cases, ii) mandatory pre-litigation screening panels to evaluate claims before they proceed to court (with panel opinions sometimes used in court), iii) collateral source reforms allowing evidence of other payments to reduce verdict amounts, and iv) protections for healthcare providers offering apologies, ensuring such statements are inadmissible as evidence in court. Despite these measures, Maine has not enacted broad caps on damages in standard malpractice cases, maintaining a balanced approach to medical liability.