Emergency Medicine malpractice insurance in Michigan
Typical annual premium at $1M / $3M mature claims-made — 95% above the national median.
Who files these rates in Michigan
- $54,625 — MAG Mutual Insurance Company (MI Comprehensive PSL Rate & Rule Manual
- $63,825 — CNA HealthPro (Continental Casualty)
By region in Michigan
CNA HealthPro (Continental Casualty) files territory relativities, so the same emergency medicine premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Detroit metro — Wayne & Oakland | ×1.00 | $59,225 |
| Macomb County | ×0.94 | $55,968 |
| Flint | ×0.77 | $45,485 |
| Lansing | ×0.54 | $31,804 |
| Ann Arbor | ×0.50 | $29,849 |
| Grand Rapids · Kalamazoo · West Michigan | ×0.46 | $27,184 |
What drives a Emergency Medicine premium
Specialty class
Emergency Medicine — emergency medicine, one of the higher medical classes.
Territory
Where you practice; county factors can move the rate well above or below the state figure.
Maturity
Claims-made steps up over ~4 years to the mature rate shown here.
Limits
$1M / $3M is the benchmark; higher limits raise the premium via a filed increased-limit factor.
Paying more than $59,225?
Enter what you pay now and we'll show where it lands against the filed range for emergency medicine in Michigan — and connect you with one vetted broker if there's room to do better.
We share only your specialty, state, current premium, and this benchmark with one vetted broker. No sales blast.
All specialties in Michigan
| Specialty | $1M / $3M range |
|---|---|
| Psychiatry | $19,864–$20,307 |
| Ophthalmology | $39,727–$40,616 |
| Occupational Medicine | $20,307–$22,347 |
| Pathology | $20,307–$22,347 |
| Dermatology | $22,347–$29,010 |
| Pediatrics | $22,347–$29,010 |
| Family Medicine | $24,830–$29,010 |
| General Practice | $24,830–$29,010 |
| Internal Medicine | $29,010–$29,795 |
| Gastroenterology | $34,761–$40,616 |
| Neurology | $40,616–$49,659 |
| Pulmonology | $29,010–$44,693 |
| Anesthesiology | $34,761–$34,813 |
| Radiology | $29,795–$40,616 |
| Cardiology | $29,795–$52,219 |
| Emergency Medicine | $54,625–$63,825 |
| Orthopedic Surgery | $59,591–$95,735 |
| General Surgery | $81,231–$144,012 |
| OB/GYN | $124,148–$176,966 |