Changing Medical Malpractice Insurance Carriers: What Physicians Must Review First Changing medical malpractice insurance carriers can potentially improve pricing, coverage terms or access to a carrier that better fits your specialty. But physicians should not make the decision based on premium alone. A malpractice policy protects liability that can extend years beyond the date medical…
Can Physicians Get Medical Malpractice Insurance With Prior Claims? Yes. A prior malpractice claim does not automatically mean a physician cannot obtain coverage. However, physicians with previous claims may face more detailed underwriting, fewer carrier options, higher premiums or special terms depending on the circumstances. The key is understanding how underwriters evaluate the claim rather…
Claims-Made vs Occurrence Malpractice Insurance: What Physicians Need to Know One of the most important decisions in medical malpractice insurance is not simply which carrier to choose. It is understanding how the policy responds to claims. Two common structures are: claims-made coverage and occurrence coverage. The distinction can have significant implications when physicians change employers,…
Medical Malpractice Insurance Cost by State: Why Location Matters Where a physician practices can have a major impact on medical malpractice insurance pricing. In fact, geography can sometimes create dramatic differences between otherwise similar physician profiles. Medical liability insurers evaluate historical claims, legal environments, loss severity, local litigation patterns and other territorial factors when establishing…
Medical Malpractice Insurance Cost by Specialty: Why Some Physicians Pay More A physician’s specialty is one of the most important factors medical malpractice insurers evaluate. But the specialty listed on your application is only the beginning. Underwriters may also evaluate the procedures you perform, patient population, hospital privileges, call responsibilities, geographic venue, claims history and…
How Much Does Medical Malpractice Insurance Cost for Physicians in 2026? Medical malpractice insurance is one of the largest professional expenses some physicians face, but there is no single “average” premium that accurately applies to every doctor. A physician’s malpractice premium can change substantially based on medical specialty, state, county, procedure mix, claims history, policy…