Medical malpractice is a critical issue that affects both healthcare professionals and patients in Arizona. Understanding the basics of medical malpractice insurance is essential for physicians and surgeons to protect themselves from potential lawsuits. In this comprehensive guide, we will delve into the key aspects of medical malpractice insurance in Arizona, including tort reform, statute of limitations, liability limits, carriers, and the overall market landscape. So let’s explore this complex landscape to ensure healthcare providers are well-informed and prepared.

The Arizona Medical Malpractice Market

The Arizona medical malpractice insurance market is dominated by four major companies, which collectively account for 93.5% of the market share in 2013. Despite this concentration, there are still around 12 insurers actively writing new business in the state. However, the market remains relatively stable, with rates holding steady. It is worth noting that carriers may enter and exit the market on a yearly basis, contributing to the limited competition in the industry.

Tort Reform in Arizona

Unlike some states, Arizona does not impose caps on damages in medical malpractice cases. This means that there are no predetermined limits on the amount of compensation a plaintiff can receive. Additionally, there are no restrictions on attorneys’ fees, allowing lawyers to negotiate fees freely. Arizona follows a ‘pure comparative negligence’ rule, which means that if the plaintiff is found partially at fault, their percentage of fault will be deducted from the damages awarded.

In recent years, the burden of proof for plaintiffs targeting emergency room (ER) physicians has become more challenging. Previously, a ‘preponderance of the evidence’ was required, but now plaintiffs must provide ‘clear and convincing evidence’ to support their claims. This stricter standard of proof has made it more difficult for plaintiffs to succeed in lawsuits against ER physicians.

Statute of Limitations

In Arizona, medical malpractice claims must be filed within two years from the date of the negligent act. However, Arizona also applies a discovery rule, which means that the statute of limitations may be delayed until the injury manifests itself. This provision ensures that victims have a fair opportunity to seek compensation even if the harm caused by medical negligence takes time to become apparent. For minors under the age of 18, the statute of limitations does not begin until their 18th birthday.

Liability Limits in Arizona

Medical malpractice insurance in Arizona typically includes a liability limit of $1,000,000 per occurrence and $3,000,000 aggregate per policy period, which is the standard limit across the United States. While physicians in rural areas or certain states may carry lower limits, most prefer the $1M/$3M limit due to the litigious environment and the absence of caps on non-economic damages in Arizona. It is important for healthcare providers to have sufficient coverage to protect their assets and ensure they can adequately compensate patients in the event of a lawsuit.

Key Carriers in the Arizona Market

The Arizona medical malpractice insurance market is characterized by a limited number of carriers actively writing new business. Currently, there are around 11-12 carriers operating in the state. However, this number can fluctuate as carriers enter and exit the market on a yearly basis. It is crucial for healthcare providers to carefully evaluate the financial stability and reputation of carriers when selecting an insurance provider.

Summary of the Arizona Medical Malpractice Market

While the Arizona medical malpractice insurance market lacks significant competition due to the dominance of a few key players, rates remain relatively stable. The written premium slightly decreased from 2012 to 2013, but average rates experienced a slight increase. Arizona’s liability environment could benefit from increased competition and further reform measures. However, despite these challenges, the market seems to be holding steady at present.

External Resources for Arizona Physicians & Surgeons

For Arizona physicians and surgeons seeking more information about medical malpractice insurance policies, our main office in St. Louis, Missouri, is available to answer any questions. You can reach us at (855) 823-5283 for a comprehensive discussion about malpractice policies in Arizona. We also offer a free quote to help you assess the coverage options available to you. Don’t hesitate to get in touch and ensure you have the right protection for your practice.


Medical malpractice insurance is a critical aspect of safeguarding healthcare providers in Arizona. Understanding the key elements of the insurance landscape, such as tort reform, the statute of limitations, liability limits, and the market’s carriers, is essential for physicians and surgeons. By staying informed and adequately covered, healthcare professionals can mitigate the risks associated with medical malpractice and focus on delivering high-quality care to their patients.

Additional Information:

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