Frequently Asked Question:

Is medical malpractice insurance required by law?

Insurance Type
Related Industries
Healthcare Services
Related Coverages
Medical Malpractice

The Short Answer

Only a few states require it by statute. In practice, nearly every hospital, health system and many payers require it before you can work or bill.

The Full Answer

Most states don’t mandate malpractice insurance for physicians. A few require it outright or require participation in a state patient compensation fund, which comes with minimum coverage limits.

The bigger requirement is contractual. Hospitals require proof of coverage for privileges, usually at $1 million / $3 million. Many insurance networks and employers ask for the same. Going without coverage also puts your personal assets at risk in a lawsuit.

Check with your state medical board for current rules, and talk with your broker about what your hospitals and payers require.

Related Questions

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.

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.

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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