Connecticut physicians face increasing liability risks and rising insurance costs in 2026. Use this resource to compare carriers, understand your risk, and secure the right protection for your practice.
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Connecticut doctors face increasing liability risks and rising insurance costs in 2026. Use this resource to compare carriers, understand your risk, and secure the right protection for your practice.
Table of Contents
What is the Cost of Medical Liability and Malpractice Insurance in Connecticut?
What is the Cost of Medical Liability
and Malpractice Insurance in
Connecticut?
These rate estimates are for informational purposes only and are based on coverage limits of $1,000,000 per claim and $3,000,000 aggregate per year, which are considered standard for most physicians in Connecticut.
The minimum required limits in the state are typically $500,000 per claim and $1,500,000 aggregate, but many providers choose higher limits for broader protection.
Quotes require a completed application and underwriter approval. Contact us for a custom estimate if you don’t see your specialty.
Average Cost of Medical Malpractice Insurance
by Specialty in Connecticut
(2026 data, $1M/$3M coverage)
| Specialty | 2026 Annual Premium |
2026 Tail Premium |
|---|---|---|
| Anesthesiology | $23,460 | $46,920 |
| Cardiovascular Disease– Minor Surgery | $24,480 | $48,960 |
| Dermatology– No Surgery | $10,200 | $20,400 |
| Emergency Medicine | $38,760 | $77,520 |
| Family Practice– No Surgery | $16,320 | $32,640 |
| Gastroenterology– No Surgery | $20,400 | $40,800 |
| General Practice– No Surgery | $16,320 | $32,640 |
| General Surgery | $66,300 | $132,600 |
| Internal Medicine– No Surgery | $16,320 | $32,640 |
| Neurology– No Surgery | $20,400 | $40,800 |
| Obstetrics and Gynecology– Major Surgery | $90,780 | $181,560 |
| Occupational Medicine | $10,200 | $20,400 |
| Ophthalmology– No Surgery | $10,200 | $20,400 |
| Orthopedic Surgery– No Spine | $53,040 | $106,080 |
| Pathology– No Surgery | $10,200 | $20,400 |
| Pediatrics– No Surgery | $16,320 | $32,640 |
| Pulmonary Disease– No Surgery | $18,360 | $36,720 |
| Psychiatry | $10,200 | $20,400 |
| Radiology – Diagnostic | $23,460 | $46,920 |
Average Medical Malpractice Payouts
in Connecticut From 2019-2025
in Connecticut From 2019-2025
Average Medical Malpractice Payouts in Connecticut From 2019-2025
In 2025, Connecticut physicians were held liable for 174 medical malpractice payouts.
- Average Payout: $1,034,290
- Total Payout: $179,966,500
(Source: National Practitioner Data Bank)
Professional Liability Insurance Options for Connecticut Physicians
Physicians in Connecticut can choose between these two primary types of medical malpractice insurance:
- Provides coverage for incidents that occurred during the policy period IF the claim is filed while the policy is still active. If a claim is filed after the policy ends, that claim is NOT covered.
- Typically, it offers lower premiums at the start of the policy, but rates increase yearly as the policy matures.
- Physicians need to obtain tail insurance coverage when a claims-made policy ends to ensure protection against future claims related to incidents that occurred during the policy period. Tail insurance premiums require a one-time cash payment equal to approximately 200% of the claims-made policy annual premium.
- Provides coverage for incidents that occurred during the policy period, regardless of when a claim is reported to the carrier.
- Typically, it offers higher premiums at the start of the policy, but the rate remains constant for the entire policy term.
- Physicians do not need tail coverage when an occurrence policy ends.
What Is the Connecticut Cap on Medical Malpractice Lawsuits?
Connecticut state law does not limit economic or non-economic damages for medical malpractice lawsuits.
A jury determines the appropriate compensation amounts based on the case specifics and the principle of modified comparative fault, meaning that a plaintiff’s compensation can be reduced by the percentage of his/her fault in connection to the injury.
For instance, if a plaintiff is found to be 20% at fault, he or she receives only 80% of the total damages.
What Is the Connecticut Statute of Limitations for Medical Malpractice?
In Connecticut, an action for medical malpractice damages must be filed within:
- Two years after the injury or discovery of the injury, but
- No more than 3 years after injury, regardless of discovery date.
Unlike many other states, Connecticut does not provide minors with an exception to the statutes of limitations or repose.
Canceled or Non-Renewed?
MEDPLI Is Your Best Ally.
Connecticut Physicians & Surgeons Partner with MEDPLI
We exclusively broker medical malpractice insurance, focusing daily on making the professional liability process less burdensome and expensive for doctors.
With MEDPLI, Connecticut physicians:
Connecticut Medical Malpractice Insurance FAQ
Medical malpractice insurance protects you if a patient claims your care caused harm. It covers legal defense, settlements, and judgments. In Connecticut, where claims can be complex and expensive, having the right coverage is essential. Even if your employer provides a policy, it is worth understanding what it actually covers and where you may have gaps.
Connecticut does not have a cap on non-economic damages in medical malpractice cases. This increases potential exposure compared to states with caps, which is one reason strong coverage limits and carrier quality matter here.
It depends. Employer policies often:
- Only cover you while employed
- May not include tail coverage
- Limit your control over legal decisions
Many physicians choose to supplement their employer’s coverage with an individual policy or at least review their employer’s coverage with an expert. MEDPLI regularly helps physicians audit employer policies so they understand exactly what is and is not covered.
Get Your Quote for Medical Malpractice Insurance in Connecticut
Whether you’re a Plastic Surgeon in Hartford or a Neurosurgeon in New Haven, MEDPLI will provide you with premier coverage at a competitive rate.
Call 800-969-1339 or Request a Quote.
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About the Author
Max Schloemann is a medical malpractice insurance broker helping physicians and surgeons secure Medical Professional Liability coverage. A Magna Cum Laude graduate of Southern Illinois University’s College of Business, he was named Outstanding Management Senior.
Max began his career in 2008 at an industry-leading firm and founded MEDPLI in 2017 to guide private practice doctors and physicians in transition through the complexities of malpractice insurance.
Outside of work, Max, his wife Kristen (a Physician Assistant), and their four kids enjoy the outdoors and attending the kids’ sporting events. For malpractice insurance questions, you can contact Max here.
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