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Illinois Medmal Insurance

Explore Your State's Medmal Insurance Resources










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Illinois Medmal Insurance Facts

Illinois Medical Professional Liability Insurance Market Summary


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

  • ISMIE Mutual Insurance Company

  • The Doctors Company

  • MedPro Group


Illinois has a competitive medical professional liability insurance market with numerous insurance carriers offering coverage to healthcare providers. The state does not have a government-sponsored medical malpractice insurance program, and physicians, hospitals, and other healthcare entities typically obtain coverage from private insurers.


Premium rates can vary based on factors such as

  • specialty

  • claims history

  • geographic location within Illinois.

Medmal Insurance Requirements for Illinois in 2023

Illinois law requires healthcare providers, including physicians, to carry medical professional liability insurance coverage or demonstrate financial responsibility as a condition of their medical licensure.


The minimum coverage limits are established by the Illinois Department of Insurance, and providers must meet these requirements to practice medicine in the state. 

Tort Reform in Illinois

Illinois has implemented various tort reform measures related to medical malpractice over the years. One significant reform is the cap on non-economic damages in medical malpractice cases, which limits the amount of compensation that can be awarded for pain and suffering.


  • Certificate of merit requirement

    • mandates that plaintiffs provide a sworn affidavit from a qualified healthcare professional attesting to the merits of their case before proceeding with a lawsuit.

Statute of Limitations for Medmal Claims

In Illinois, the statute of limitations for filing a medical malpractice lawsuit is generally two years from the date when the alleged malpractice occurred or from the date when the patient knew or should have known about the injury. However, there is a maximum statute of repose of four years from the date of the alleged malpractice, regardless of when the injury was discovered. Exceptions may apply in cases involving minors or instances of fraudulent concealment.
*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.

For detailed information contact us and 

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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