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Frequently Asked Question:

How much does medical malpractice insurance cost?

Insurance Type
Commercial Insurance >
Related Industries
Healthcare Services
Related Coverages
Medical Malpractice

The Short Answer

It depends mostly on your specialty and state. High-risk surgical specialties pay many times what primary care or psychiatry pays, and rates in some states run far above others.

The Full Answer

No two quotes look alike, because carriers price on several factors at once:

  • Specialty and the procedures you perform
  • State and county, driven by local tort law and verdict history
  • Your claims history
  • Limits, commonly $1 million per claim and $3 million aggregate
  • Claims-made vs. occurrence, and the year of a claims-made step-up

Many carriers also offer credits for new-to-practice physicians, part-time schedules and completed risk management courses. A broker can compare those credits across carriers, which you can’t do with a single direct quote.

Related Questions

Do Restaurants Need Liquor Liability Insurance If They Only Serve Beer and Wine?

Yes — liquor liability requirements are based on whether a business serves alcohol for profit, not which type of alcohol it pours, so beer- and wine-only restaurants carry the same dram shop exposure as a full bar.

Read the full answer
Does General Liability Insurance Cover Foodborne Illness Claims at a Restaurant?

Often yes, but only if the illness resulted from an incident rather than an ongoing exclusion in the policy — most standard general liability policies cover bodily injury from a single contaminated batch or ingredient, subject to the policy’s terms.

Read the full answer
Can I Get Insurance for Bounce House and Inflatable Rentals?

Liberty does not currently insure inflatable equipment such as bounce houses. Liberty can discuss coverage for the rest of your rental inventory.

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