Question 1

Is medical malpractice insurance required in Connecticut?

Accepted Answer

Connecticut does not require all licensed physicians to carry malpractice insurance by statute. However, hospital credentialing committees, managed-care contracts, and many group employment agreements require it — typical minimum is $1M per claim / $3M aggregate. Connecticut also has no statutory cap on non-economic damages, so most physicians carry higher limits or sit behind a hospital tail. RISKX can quote both occurrence and claims-made forms with tail-coverage modeling.

Question 2

How does Connecticut's cybersecurity safe harbor (PA 21-119) work?

Accepted Answer

Public Act 21-119 provides a defense in tort actions arising from a data breach if the defendant created, maintained, and complied with a written cybersecurity program that conforms to a recognized framework (HIPAA Security Rule, NIST CSF, CIS Controls, or PCI DSS, among others). It is not full immunity, but it is a meaningful litigation shield. Cyber underwriters often look favorably on documented PA 21-119 compliance, and several markets price it in.

Question 3

How much does cyber insurance cost for a CT medical practice?

Accepted Answer

A small-to-mid CT medical practice typically pays $2,500–$7,500/year for $1M cyber liability with breach response, regulatory defense, and ransomware coverage. Pricing depends on PHI volume, security controls (MFA, EDR, backups, IR plan), and claim history. Practices documenting PA 21-119-aligned written information security programs commonly see 10-20% lower pricing than peers without documented programs.

Connecticut Healthcare Insurance | RISKX