Medical Malpractice Insurance

Medical malpractice insurance is the most critical coverage for any healthcare provider. It protects physicians, surgeons, and other practitioners from claims alleging negligence, misdiagnosis, surgical errors, or failure to treat.

Occurrence vs. Claims-Made Policies

Occurrence Policy

Covers any incident that occurs during the policy period, regardless of when the claim is filed — even years later. More expensive but provides permanent protection.

Claims-Made Policy

Covers claims filed during the policy period. Requires "tail coverage" (extended reporting period) when you retire, change carriers, or close your practice. Lower initial premiums but requires ongoing management.

Malpractice Cost by Specialty

Specialty	Typical Annual Cost
Family Medicine / Internal Medicine	$5,000–$15,000
Pediatrics	$4,000–$12,000
Psychiatry	$3,000–$8,000
General Surgery	$20,000–$50,000
OB/GYN	$30,000–$80,000
Orthopedic Surgery	$25,000–$60,000
Neurosurgery	$50,000–$100,000+

What Medical Malpractice Covers

Misdiagnosis or delayed diagnosis
Surgical errors and complications
Medication errors and adverse reactions
Failure to obtain informed consent
Birth injuries and obstetric claims
Anesthesia complications
Legal defense costs (even for frivolous claims)

Why Compare Quotes?

Malpractice rates vary dramatically between carriers and states. Insura works with carriers specializing in medical risk to find competitive rates for your specialty and practice size.