Washington Medical Malpractice Insurance

Medical doctors train for several years to be able to make sound decisions for their patients, but none of that training prepares you for the process of selecting the best medical malpractice insurance protection for you and your practice. MyMedicalMalpracticeInsurance.com has specialists in Washington ready to help guide you through that process. With our access to the leading medical malpractice insurance companies in Washington, we’re in a perfect position to make multiple carriers compete for your business. That means that you’ll receive quotations offering the best possible terms and rates in the state. We’ve shared our expert advice with thousands of doctors and medical groups, and we’re ready to do the same for you. Let us save you time, money and headaches!

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Why more Washington Physicians choose My Medical Malpractice Insurance:

  • You’ll receive multiple competitive medical malpractice insurance quotes from the top Medical Malpractice Insurers in Washington.

  • You’ll also receive all the applicable physician discounts available to you: Risk Management, Claims-free, New to Practice.

  • Your Prior Acts Coverage will be included in your policy, making it unnecessary to purchase separate tail coverage.

  • Your policy will be tailored to your specific needs by our highly trained and experienced liability specialists.

  • You’ll have access to our free Practice Tools: Online Patient Satisfaction Survey System, on-staff Certified Professional Healthcare Risk Manager (CPHRM)and a number of other tools to help you make your practice succeed and thrive.

  • In a joint effort with the Medical Liability Monitor -- the nation's leading independent source of Medical Liability Insurance news as well as the political, legal and risk management issues that affect the healthcare industry –we’ve published historical rate data for every city in the Evergreen State. The insights offered by this information will be invaluable to you, as you follow Washington's data trends while making your decisions on your professional liability carrier and coverage. This is just one reason among many that Washington MDs, DOs and medical groups have chosen MyMedicalMalpracticeInsurance.com as their preferred online source for ways to lower their medical malpractice insurance rates and find the best coverage.

  • Click to request your free, no obligation Washington Medical Malpractice Insurance Quote today.

Medical Malpractice Insurance in Washington


Medical professional liability insurance rates in the state of Washington are almost 25-percent more expensive than those in neighboring Oregon and Idaho. With that caveat, Washington’s malpractice rates are slightly more expensive than the median of the nation’s spectrum, and the state is one of the few that has realized a significant reduction in medical liability premium dollars over the course of the last few years.

The most recent attempts to reform the Evergreen State’s tort system began in 2005, when the physician and trial lawyer lobbies engaged in a battle for votes on competing ballot initiatives. The physician, hospital and nursing communities campaigned for I-330, a tort reform package that centered around a $350,000 cap on non-economic damages and would limit attorney fees; trial lawyers politicked for I-336, which would establish a state-run supplemental liability insurance program and a three-strikes rule where doctors convicted by a jury of three malpractice events would lose their license for a 10-year period. The campaigns for I-330 and I-336 set a record for the most expensive ballot fight ever in Washington, with almost $16.4 million raised by both sides. Neither ballot initiative was passed by the electorate—with I-330 losing by a margin of 43 to 57 percent and I-336 losing 40 to 60 percent.

While the failure of either ballot initiative to pass appeared to be a colossal waste of money, it did set the table for Gov. Christine Gregoire to broker a series of compromise tort reforms that would pass in 2006.

Gov. Gregoire was able to get both sides of the tort reform argument to the table and agree to compromise legislation that allows doctors to apologize for a medical mistake without the apology being used against them in court; allows juries to hear if an injured patient received payment for the claim from an insurance company; require initial mediation when a malpractice claim is filed; and require plaintiff attorneys to file a certificate of merit by a medical professional from the discipline involved in the case prior to trial. Not all parts of the compromise passed judicial scrutiny; in 2009, the Washington Supreme court ruled the certificate of merit rule was unconstitutional.

Perhaps most significant to the 2006 compromise was that it requires the state to collect detailed statistics about malpractice claims filed in the Washington Court system. Under the law, data on medical malpractice claims by insurers and self-insurers that have been settled—with or without a payment—must be reported to the insurance commissioner, who is mandated to publish annual statistical summaries. This data is hoped to replace campaign bombast with empirical data the next time the tort reform argument gets heated.

The 2006 reforms have had a noticeable impact on medical professional liability insurance premiums in Washington. Physicians Insurance A Mutual—the state’s largest insurer, writing policies for 62 percent of Washington’s healthcare community—reduced rates by 10 percent in 2009, and reducing rates by an additional 8 percent in 2010. Many in the tort reform community point to the 2006 legislation as responsible for the ease in premiums.

Washington State has made noticeable progress with its tort environment over the course of the last few years, but rates remain high when compared to other states in the region. For this reason, it’s advised that physicians work with a professional liability insurance broker when shopping for coverage. An established broker can shop your coverage for the best rate at the best terms.

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All Medical Liability Monitor rate data is protected under United States Copyright Law. The rate data may not be reproduced in whole or part without permission. Contact the editor at Medical Liability Monitor for more information.

WASHINGTON
Physician Medical Malpractice Insurance Rates


2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010


2000
Request a Free Medical Malpractice Insurance Quote in Washington

NORTHWEST PHYSICIANS MUTUAL
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$7,051
0%		 $20,095
0%		 $34,092
0%


PHYSICIANS INSURANCE MUTUAL CO. (WASHINGTON)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$8,486
+ 4.4%		 $30,592
+ 4.4%		 $45,018
+ 4.4%


2001 Up
Request a Free Medical Malpractice Insurance Quote in Washington

NORTHWEST PHYSICIANS MUTUAL
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$7,051
0%		 $20,095
0%		 $34,092
0%


PHYSICIANS INSURANCE A MUTUAL CO. (WASHINGTON)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$9,002
+ 6.1%		 $32,452
+ 6.4%		 $47,756
+ 6.1%


WASHINGTON CASUALTY CO. (WRITES $1M/UNLIMITED)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$8,889
+ 55.0%		 $32,597
+ 55.0%		 $59,265
+ 55.0%


2002 Up
Request a Free Medical Malpractice Insurance Quote in Washington

THE DOCTORS COMPANY
Area INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
Territory A $7,933
+ 4.4%		 $24,444
+ 4.4%		 $37,504
+ 4.4%
Territory B $6,666
+ 4.4%		 $21,755
+ 4.4%		 $30,911
+ 4.4%


NORTHWEST PHYSICIANS MUTUAL INSURANCE CO.
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$7,051
0%		 $20,095
0%		 $34,092
0%


2003 Up
Request a Free Medical Malpractice Insurance Quote in Washington

NORTHWEST PHYSICIANS MUTUAL INSURANCE CO.
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$7,051
0%		 $20,095
0%		 $34,092
0%


PHYSICIANS INSURANCE A MUTUAL CO. (WASHINGTON)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$11,408
+ 16.7%		 $41,126
+ 16.7%		 $60,519
+ 16.7%


2004 Up
Request a Free Medical Malpractice Insurance Quote in Washington

NORTHWEST PHYSICIANS MUTUAL INSURANCE CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$13,378
+ 89.7%		 $38,126
+ 89.7%		 $66,219
+ 94.2%


PHYSICIANS INSURANCE A MUTUAL CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$13,571
+ 19.0%		 $48,924
+ 19.0%		 $71,994
+ 19.0%


THE DOCTORS COMPANY
Area INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
King, Pierce, Snohomish, and Spokane Cos. $15,869
N/A		 $59,418
N/A		 $69,346
N/A
Remainder of State $13,552
N/A		 $52,197
N/A		 $59,222
N/A


GE MEDICAL PROTECTIVE
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$15,742
0%		 $41,908
0%		 $59,869
0%


2005 Up
Request a Free Medical Malpractice Insurance Quote in Washington

PHYSICIANS INSURANCE A MUTUAL CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$13,378
0%		 $38,126
0%		 $66,219
0%


PHYSICIANS INSURANCE A MUTUAL CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$12,520
- 7.7%		 $45,135
- 7.7%		 $66,419
- 7.7%


THE DOCTORS COMPANY ($1M/$5M LIMITS)
Area INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
King, Pierce, Snohomish, and Spokane Cos. $16,914
+ 6.6%		 $65,964
+ 11.0%		 $73,914
+ 6.6%
Remainder of State $14,444
+ 6.6%		 $56,333
+ 7.9%		 $63,122
+ 6.6%


MEDICAL PROTECTIVE
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$19,302
+ 22.6%		 $51,384
+ 22.6%		 $73,405
+ 22.6%


2006 Up
Request a Free Medical Malpractice Insurance Quote in Washington

NORTHWEST PHYSICIANS MUTUAL INSURANCE CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$14,444
+ 8.0%		 $56,333
+ 47.8%		 $63,122
- 4.7%


PHYSICIANS INSURANCE A MUTUAL CO.
($1,000,000/$5,000,000 LIMITS) THE DOCTORS COMPANY
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$12,520
0%		 $45,135
0%		 $66,419
0%


THE DOCTORS COMPANY ($1M/$5M LIMITS)
Area INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
King, Pierce, Snohomish, and Spokane Cos. $17.083
+ 1.0%		 $66,624
+ 1.0%		 $74,653
+ 1.0%
Remainder of State $14,588
+ 1.0%		 $56,896
+ 1.0%		 $63,753
+ 1.0%


MEDICAL PROTECTIVE
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$17,474
- 9.5%		 $50,096
- 2.5%		 $70,134
- 4.5%


2007 Up
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NORTHWEST PHYSICIANS MUTUAL INSURANCE CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$14,444
0%		 $56,333
0%		 $63,122
0%


PHYSICIANS INSURANCE A MUTUAL CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$12,770
+ 2.0%		 $45,135
0%		 $66,419
0%


THE DOCTORS COMPANY ($1M/$5M LIMITS)
Area INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
King, Pierce, Snohomish, and Spokane Cos. $17.083
0%		 $66,624
0%		 $74,653
0%
Remainder of State $14,588
0%		 $56,896
0%		 $63,753
0%


2008 Up
Request a Free Medical Malpractice Insurance Quote in Washington

NORTHWEST PHYSICIANS MUTUAL INSURANCE CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$13,000
- 10.0%		 $50,700
- 10.0%		 $61,544
- 2.0%


PHYSICIANS INSURANCE A MUTUAL CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$12,770
0%		 $45,135
0%		 $66,419
0%


THE DOCTORS COMPANY ($1M/$5M LIMITS)
Area INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
King, Pierce, Snohomish, and Spokane Cos. $15,223
0%		 $59,368
0%		 $72,066
0%
Remainder of State $13,000
0%		 $50,700
0%		 $61,544
0%


2009 Up
Request a Free Medical Malpractice Insurance Quote in Washington

PHYSICIANS INSURANCE A MUTUAL CO.
($1,000,000/$5,000,000 LIMITS)
INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
$11,493
- 10%		 $40,621
- 10%		 $59,777
- 10%


THE DOCTORS COMPANY ($1M/$5M LIMITS)
Area INTERNAL MEDICINE
(% change since last survey)
GENERAL SURGERY
(% change since last survey)
OB/GYN
(% change since last survey)
King, Pierce, Snohomish, and Spokane Cos. $13,411
- 12%		 $59,368
0%		 $71,778
0%
Remainder of State $11,453
- 12%		 $50,700
0%		 $61,298
0%


2010 coming soon.
To find the most current medical malpractice insurance rates in Washington State, contact Mike Matray at the Medical Liability Monitor. MyMedicalMalpracticeInsurance.com has negotiated an excellent rate for all of our users, mention our site, and you can receive the Medical Liability Monitor at a low promotional price.