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California Medmal Insurance

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California Medmal Insurance Facts

California Medical Professional Liability Insurance Market Summary


If you're a physician in California seeking medical liability insurance, SelectFirstInsurance can guide you to numerous reputable insurers.
Leading companies in the region include:

  • State Farm


  • AAA

  • Liberty Mutual


The market underwent significant changes after the passage of the Medical Injury Compensation Reform Act (MICRA) in 1975, which helped stabilize premiums by capping non-economic damages in malpractice lawsuits.

Medmal Insurance Requirements for California in 2023

Limits of Liability:  In California, the minimum required limits can vary depending on the healthcare provider's specific practice and the institution they are affiliated with.

Medical professionals are required to carry professional liability insurance to cover the cost of defending against:

  • malpractice claims and

  • any settlements or judgments


While the state does not mandate specific minimum limits, hospitals and healthcare facilities often have their own requirements.

Tort Reform in California

The cornerstone of tort reform in California for medical malpractice is the Medical Injury Compensation Reform Act (MICRA) of 1975. 

Key provisions include:

  • $250,000 cap on non-economic damages (like pain and suffering)

  • provisions for periodic payments for future damages over $50,000

  • sliding scale for attorney's fees

Statute of Limitations for Medmal Claims

In California, the statute of limitations for medical malpractice claims is generally three years from the date of injury or one year from the date the plaintiff discovers, or through the use of reasonable diligence should have discovered, the injury, whichever occurs first.
*statute of limitations may vary depending on specialization. For additional information, please visit*

Disclaimer: The information provided above is for general informational purposes only. It  is not intended as legal, financial, or professional advice. By accessing this information, you acknowledge and accept these terms of use and any additional terms and conditions that may appear on this site from time to time.

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Why Partner With SelectFirst Insurance

When it comes to securing your medical malpractice insurance, partnering with the right provider is paramount. At SelectFirst Insurance, we understand the unique challenges and concerns that healthcare professionals face.

With over 30 years in the insurance Industry, at SelectFirst Insurance Services we cater to the unique insurance needs of our business clients. Instead of a one-size-fits-all approach, we customize the insurance products to meet your unique needs. We embrace a set of high-performance standards, ensuring your expectations will be exceeded. As a boutique insurance agency with access to over 65 insurance companies, our clients enjoy the special convenience of a personalized, highly skilled, innovative and performance driven team to handle your insurance needs. 

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