General Surgery malpractice insurance in Michigan
Typical annual premium at $1M / $3M mature claims-made — 133% above the national median.
Who files these rates in Michigan
- $81,231 — CNA HealthPro (Continental Casualty)
- $144,012 — MAG Mutual Insurance Company (MI Comprehensive PSL Rate & Rule Manual
By region in Michigan
CNA HealthPro (Continental Casualty) files territory relativities, so the same general surgery premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Detroit metro — Wayne & Oakland | ×1.00 | $112,622 |
| Macomb County | ×0.94 | $106,428 |
| Flint | ×0.77 | $86,494 |
| Lansing | ×0.54 | $60,478 |
| Ann Arbor | ×0.50 | $56,761 |
| Grand Rapids · Kalamazoo · West Michigan | ×0.46 | $51,693 |
What drives a General Surgery premium
Specialty class
General Surgery — general surgery, N.O.C. — a high surgical class.
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 $112,622?
Enter what you pay now and we'll show where it lands against the filed range for general surgery in Michigan — and connect you with one vetted broker if there's room to do better.
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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 |