Colorado Medical Malpractice Insurance

You trained to make good decisions regarding the diagnosis and treatment of your patients, but did anyone ever train you on the best way to select your medical malpractice insurance coverage? Not likely, and even if they had, the ever-changing legal landscape and varying standards from one state to another would render it useless. has medical liability insurance experts that are fully trained and experienced in the various aspects of liability protection for physicians and healthcare professionals in Colorado. We have advised thousands of doctors and medical centers and helped them acquire the appropriate medical malpractice insurance for their practices, and we’re ready to do the same for you. Let us show you how we can make all the A-rated insurers in Colorado compete for your business, in order to get you the best terms and lowest rates to be found.

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Why Colorado Doctors Choose Us as their Broker:

  • Let us get you several quotes from the leading Medical Malpractice Insurance Companies in Colorado.

  • We can also help you get all available physician discounts, such as Risk Management, Claims-free and New to Practice.

  • Why purchase separate tail coverage, when Prior Acts Coverage is included? It’s not necessary.

  • Our medical liability experts can help shape your policy to fit your specific needs.

  • We provide several free Practice Tools, such as: Online Patient Satisfaction Survey System, Certified Professional Healthcare Risk Manager (CPHRM) on staff, plus many other tools to help sustain and grow your practice.

  • Teaming up with the Medical Liability Monitor -- the nation's pre-eminent independent source of medical liability insurance news regarding political, legal and risk management issues affecting the healthcare industry -- we publish historic rate data for every county in Colorado. This information offers insight into the Centennial State’s data trends, allowing you to make an informed decision on your medical malpractice insurance policy and carrier. That’s just one more reason that is the preferred online source for Colorado physicians searching for a way to find the best coverage available, while lowering their medical malpractice insurance rates.

  • Let our highly experienced liability specialists save you time and money, placing you with an A-rated medical malpractice insurance carrier. Request your Colorado Medical Malpractice Insurance quote by filling out the form below.

Colorado Med-Mal Fast Facts

  • Physicians carry limits of $1 million/$3 million.

  • Colorado doctors are lucky to be in a state where med-mal rates are moderate.

  • There are a lot of carriers in Colorado which is helping to keep rates stable. We have been noticing that because Colorado is so favorable for doctors, that new insurance carriers are entering the state each year. To ensure you are paying the least amount for your med-mal, make sure your agent shops your coverage to every carrier on an annual basis.

The History of Liability Coverage for Colorado Physicians

The rates for medical malpractice insurance in Colorado are actually quite modest. The base rate for high-risk specialties, such as obstetrics, pay annual premiums in the vicinity of $50,000. This is comparable to what many low-risk specialties, such as internal medicine, are charged in high-premium territories in other parts of the country. The major reason behind Colorado’s beneficial medical malpractice climate is the $1 million dollar cap on awards for successful malpractice suits, and $300,000 cap on non-economic (pain and suffering) awards.

The modern history of Colorado tort reform begins in the mid-1980s, when its legislature realized that continually rising costs of medical malpractice insurance were forcing many of the state’s doctors to move away, curtail high-risk procedures or retire early, which, in turn, was creating an access to healthcare crisis for its citizens. In response, the general assembly enacted the Health Care Availability Act (HCAA) in 1988.

Colorado’s HCAA implemented a number of procedural responsibilities and damage limitations in medical malpractice actions that were designed to guarantee the availability of healthcare services by helping contain the increasing costs of malpractice insurance for healthcare institutions and medical care professionals. In addition to establishing periodic payments for future damages as well as creating procedures and rules of evidence in medical malpractice cases, the HCAA established a $1 million overall cap on malpractice awards with a $250,000 cap on non-economic damages (it was raised to $300,000 in 2003).

Five years after the passage of the HCAA, the Colorado Supreme Court affirmed the constitutionality of the state’s damage caps, finding that “the concerns that prompted the General Assembly to pass the HCAA, as expressed in the declaration of intent as well as the legislative history of the act, reasonably support the passage of the act.” This judicial stamp-of-approval on the state’s damage-cap legislation created an actuarial predictability that allows medical malpractice insurers to offer the moderate premium rates that Colorado physicians enjoy.

While damage cap legislation is the holy grail of medical malpractice insurance tort reform, Colorado has enacted a number of additional reforms that have contributed to its moderate malpractice premiums. In 1990, the Colorado Legislature implemented a certificate of merit statute in medical malpractice cases that requires a plaintiff to file a “certificate of review” within 60 days after service of the lawsuit on the defendant. The statute is intended to reduce the number of frivolous lawsuits filed by requiring another expert physician—competent to express an opinion as to the alleged negligent conduct—concur that a breach in standard of care indeed occurred prior to entering the legal system. In 2003, Colorado passed a physician apology statute that lets physicians work with a patient who has had a bad outcome, taking responsibility for the situation with an apology, but prevents anything said in the course of the apology from being admitted in court. Also in 2003, the legislature passed law that provided that a physician business entity (practice or hospital), while liable for its own negligence, cannot be vicariously liable for the negligent acts of its employed physicians.

Colorado has enjoyed a stable, moderate medical malpractice insurance climate for almost 20 years. Because of this stability, many insurers in the state are willing to compete for your business. This is one of the many reasons to employ a medical malpractice insurance broker when shopping for coverage.

Request your free Colorado Medical Malpractice Insurance quote today. Our veteran liability specialists will ensure that you’re paying the lowest rates for the best terms for your medical liability insurance.

This write-up of Colorado was put together by Michael Matray, the Editor of the Medical Liability Monitor

Resources for Doctors practicing in Colorado

Colorado Medical Society
DORA Division of Insurance
Colorado Medical Board
Colorado Society of Osteopathic Medicine

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