[Skip to content](#content)

	
		
		
			
							[456 reviews · Rating: 5.0
            
            
            
            
        ★★★★★](https://search.google.com/local/reviews?placeid=ChIJuRnO-eY7d4gRBy0olsLRO8I)[](https://www.linkedin.com/company/medpli-professional-liability-insurance/)[](https://www.facebook.com/Medpli/)[](https://www.instagram.com/medpli/)Call Us Today! [1-800-969-1339](tel:1-800-969-1339) | [info@medpli.com](mailto:info@medpli.com) [456 reviews · Rating: 5.0
            
            
            
            
        ★★★★★](https://search.google.com/local/reviews?placeid=ChIJuRnO-eY7d4gRBy0olsLRO8I)

[**The 2027 Tail Insurance Outlook:** What Every Physician Should Know Now](https://medpli.com/the-2027-tail-insurance-outlook-what-every-physician-should-know-now/)

[*](https://medpli.com/)[](https://medpli.com/)**Toggle Navigation- [SERVICES](https://medpli.com/products-services/)[Telemedicine Malpractice Insurance](https://medpli.com/products-services/telemedicine-malpractice-insurance/)
- [Tail Insurance](https://medpli.com/products-services/tail-malpractice-insurance/)
- [Private Practice Insurance](https://medpli.com/products-services/private-practice-insurance/)
- [Medical Practice Risk Assessment](https://medpli.com/products-services/medical-practice-risk-assessment/)
- [Medical Facility Insurance](https://medpli.com/products-services/medical-facility-insurance/)
- [Group Insurance](https://medpli.com/products-services/group-medical-malpractice-insurance/)
- [Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/)
- [Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/)
- [SPECIALTIES](https://medpli.com/specialties/)[Anesthesiologists](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/)
- [Bariatric Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-bariatric-surgeons/)
- [Cardiologists](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/)
- [Dermatologists](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/)
- [Family Medicine](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/)
- [Gastroenterologists](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/)
- [General Surgeons](https://medpli.com/specialties/malpractice-insurance-general-surgeons/)
- [Hospitalists](https://medpli.com/specialties/hospitalist-medical-malpractice-insurance/)
- [Internists](https://medpli.com/specialties/internist-medical-malpractice-insurance/)
- [Interventional Radiologists](https://medpli.com/specialties/interventional-radiologist-medical-malpractice-insurance/)
- [Ketamine Infusion Therapy](https://medpli.com/specialties/ketamine-infusion-malpractice-insurance/)
- [Medical Spas](https://medpli.com/specialties/medical-spa-malpractice-insurance/)
- [Neurologists](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/)
- [Neurosurgeons](https://medpli.com/specialties/malpractice-insurance-neurosurgeons/)
- [OB/GYNs](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/)
- [Orthopedic Surgeons](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons-new/)
- [Otolaryngologists](https://medpli.com/specialties/otolaryngologist-medical-malpractice-insurance/)
- [Plastic Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-plastic-surgeons)
- [Psychiatrists](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/)
- [Radiologists](https://medpli.com/specialties/radiologist-medical-malpractice-insurance)
- [STATE BUYING GUIDES](https://medpli.com/states/)[Alabama](https://medpli.com/alabama-doctors-buying-guide-medical-malpractice-insurance/)
- [Alaska](https://medpli.com/alaska-doctors-buying-guide-medical-malpractice-insurance/)
- [Arizona](https://medpli.com/arizona-doctors-buying-guide-medical-malpractice-insurance/)
- [Arkansas](https://medpli.com/arkansas-doctors-buying-guide-to-medical-malpractice-insurance/)
- [California](https://medpli.com/california-doctors-buying-guide-medical-malpractice-insurance/)
- [Colorado](https://medpli.com/colorado-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Connecticut](https://medpli.com/connecticut-doctors-buying-guide-medical-malpractice-insurance/)
- [Delaware](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/)
- [District of Columbia](https://medpli.com/washington-dc-medical-malpractice-insurance-buying-guide/)
- [Florida](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/)
- [Georgia](https://medpli.com/georgia-doctors-buying-guide-medical-malpractice-insurance/)
- [Hawaii](https://medpli.com/hawaii-medical-malpractice-insurance-buying-guide/)
- [Idaho](https://medpli.com/idaho-medical-malpractice-insurance-buying-guide/)
- [Illinois](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Indiana](https://medpli.com/indiana-medical-malpractice-insurance-buying-guide/)
- [Iowa](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/)
- [Kansas](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/)
- [Kentucky](https://medpli.com/kentucky-doctors-buying-guide-medical-malpractice-insurance/)
- [Louisiana](https://medpli.com/louisiana-medical-malpractice-insurance-buying-guide/)
- [Maine](https://medpli.com/maine-medical-malpractice-insurance-buying-guide/)
- [Maryland](https://medpli.com/maryland-physicians-guide-to-medical-malpractice-insurance/)
- [Massachusetts](https://medpli.com/massachusetts-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Michigan](https://medpli.com/michigan-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Minnesota](https://medpli.com/minnesota-medical-malpractice-insurance-buying-guide/)
- [Mississippi](https://medpli.com/mississippi-medical-malpractice-insurance-buying-guide/)
- [Missouri](https://medpli.com/missouri-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Montana](https://medpli.com/montana-medical-malpractice-insurance-buying-guide/)
- [Nebraska](https://medpli.com/nebraska-medical-malpractice-insurance-buying-guide/)
- [Nevada](https://medpli.com/nevada-medical-malpractice-insurance-buying-guide/)
- [New Hampshire](https://medpli.com/new-hampshire-medical-malpractice-insurance-buying-guide)
- [New Jersey](https://medpli.com/new-jersey-doctors-buying-guide-medical-malpractice-insurance/)
- [New Mexico](https://medpli.com/new-mexico-doctors-buying-guide-to-medical-malpractice-insurance/)
- [New York](https://medpli.com/new-york-physicians-guide-to-medical-malpractice-insurance/)
- [North Carolina](https://medpli.com/north-carolina-doctors-buying-guide-to-medical-malpractice-insurance/)
- [North Dakota](https://medpli.com/#quote)
- [Ohio](https://medpli.com/ohio-buying-guide-medical-malpractice-insurance/)
- [Oklahoma](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/)
- [Oregon](https://medpli.com/oregon-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Pennsylvania](https://medpli.com/pennsylvania-doctors-buying-guide-medical-malpractice-insurance/)
- [Rhode Island](https://medpli.com/#quote)
- [South Carolina](https://medpli.com/south-carolina-doctors-buying-guide-to-medical-malpractice-insurance/)
- [South Dakota](https://medpli.com/#quote)
- [Tennessee](https://medpli.com/tennessee-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Texas](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/)
- [Utah](https://medpli.com/utah-doctors-buying-guide-medical-malpractice-insurance/)
- [Vermont](https://medpli.com/#quote)
- [Virginia](https://medpli.com/virginia-doctors-buying-guide-medical-malpractice-insurance/)
- [Washington](https://medpli.com/washington-doctors-buying-guide-medical-malpractice-insurance/)
- [West Virginia](https://medpli.com/west-virginia-medical-malpractice-insurance-buying-guide/)
- [Wisconsin](https://medpli.com/#quote)
- [Wyoming](https://medpli.com/#quote)
- ABOUT[About MEDPLI](https://medpli.com/about-us/)
- [Staff](https://medpli.com/about-our-staff/)
- NEWS & BLOG[Blog](https://medpli.com/medical-malpractice-insurance-blog/)
- [Press](https://medpli.com/news/)
- [GET QUOTE](https://medpli.com/get-your-medical-malpractice-insurance-quote/)
[](https://medpli.com/)[](https://medpli.com/)Toggle Navigation- [SERVICES](https://medpli.com/products-services/)[Telemedicine Malpractice Insurance](https://medpli.com/products-services/telemedicine-malpractice-insurance/)
- [Tail Insurance](https://medpli.com/products-services/tail-malpractice-insurance/)
- [Private Practice Insurance](https://medpli.com/products-services/private-practice-insurance/)
- [Medical Practice Risk Assessment](https://medpli.com/products-services/medical-practice-risk-assessment/)
- [Medical Facility Insurance](https://medpli.com/products-services/medical-facility-insurance/)
- [Group Insurance](https://medpli.com/products-services/group-medical-malpractice-insurance/)
- [Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/)
- [Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/)
- [SPECIALTIES](https://medpli.com/specialties/)[Anesthesiologists](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/)
- [Bariatric Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-bariatric-surgeons/)
- [Cardiologists](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/)
- [Dermatologists](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/)
- [Family Medicine](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/)
- [Gastroenterologists](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/)
- [General Surgeons](https://medpli.com/specialties/malpractice-insurance-general-surgeons/)
- [Hospitalists](https://medpli.com/specialties/hospitalist-medical-malpractice-insurance/)
- [Internists](https://medpli.com/specialties/internist-medical-malpractice-insurance/)
- [Interventional Radiologists](https://medpli.com/specialties/interventional-radiologist-medical-malpractice-insurance/)
- [Ketamine Infusion Therapy](https://medpli.com/specialties/ketamine-infusion-malpractice-insurance/)
- [Medical Spas](https://medpli.com/specialties/medical-spa-malpractice-insurance/)
- [Neurologists](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/)
- [Neurosurgeons](https://medpli.com/specialties/malpractice-insurance-neurosurgeons/)
- [OB/GYNs](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/)
- [Orthopedic Surgeons](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons-new/)
- [Otolaryngologists](https://medpli.com/specialties/otolaryngologist-medical-malpractice-insurance/)
- [Plastic Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-plastic-surgeons)
- [Psychiatrists](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/)
- [Radiologists](https://medpli.com/specialties/radiologist-medical-malpractice-insurance)
- [STATE BUYING GUIDES](https://medpli.com/states/)[Alabama](https://medpli.com/alabama-doctors-buying-guide-medical-malpractice-insurance/)
- [Alaska](https://medpli.com/alaska-doctors-buying-guide-medical-malpractice-insurance/)
- [Arizona](https://medpli.com/arizona-doctors-buying-guide-medical-malpractice-insurance/)
- [Arkansas](https://medpli.com/arkansas-doctors-buying-guide-to-medical-malpractice-insurance/)
- [California](https://medpli.com/california-doctors-buying-guide-medical-malpractice-insurance/)
- [Colorado](https://medpli.com/colorado-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Connecticut](https://medpli.com/connecticut-doctors-buying-guide-medical-malpractice-insurance/)
- [Delaware](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/)
- [District of Columbia](https://medpli.com/washington-dc-medical-malpractice-insurance-buying-guide/)
- [Florida](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/)
- [Georgia](https://medpli.com/georgia-doctors-buying-guide-medical-malpractice-insurance/)
- [Hawaii](https://medpli.com/hawaii-medical-malpractice-insurance-buying-guide/)
- [Idaho](https://medpli.com/idaho-medical-malpractice-insurance-buying-guide/)
- [Illinois](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Indiana](https://medpli.com/indiana-medical-malpractice-insurance-buying-guide/)
- [Iowa](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/)
- [Kansas](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/)
- [Kentucky](https://medpli.com/kentucky-doctors-buying-guide-medical-malpractice-insurance/)
- [Louisiana](https://medpli.com/louisiana-medical-malpractice-insurance-buying-guide/)
- [Maine](https://medpli.com/maine-medical-malpractice-insurance-buying-guide/)
- [Maryland](https://medpli.com/maryland-physicians-guide-to-medical-malpractice-insurance/)
- [Massachusetts](https://medpli.com/massachusetts-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Michigan](https://medpli.com/michigan-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Minnesota](https://medpli.com/minnesota-medical-malpractice-insurance-buying-guide/)
- [Mississippi](https://medpli.com/mississippi-medical-malpractice-insurance-buying-guide/)
- [Missouri](https://medpli.com/missouri-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Montana](https://medpli.com/montana-medical-malpractice-insurance-buying-guide/)
- [Nebraska](https://medpli.com/nebraska-medical-malpractice-insurance-buying-guide/)
- [Nevada](https://medpli.com/nevada-medical-malpractice-insurance-buying-guide/)
- [New Hampshire](https://medpli.com/new-hampshire-medical-malpractice-insurance-buying-guide)
- [New Jersey](https://medpli.com/new-jersey-doctors-buying-guide-medical-malpractice-insurance/)
- [New Mexico](https://medpli.com/new-mexico-doctors-buying-guide-to-medical-malpractice-insurance/)
- [New York](https://medpli.com/new-york-physicians-guide-to-medical-malpractice-insurance/)
- [North Carolina](https://medpli.com/north-carolina-doctors-buying-guide-to-medical-malpractice-insurance/)
- [North Dakota](https://medpli.com/#quote)
- [Ohio](https://medpli.com/ohio-buying-guide-medical-malpractice-insurance/)
- [Oklahoma](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/)
- [Oregon](https://medpli.com/oregon-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Pennsylvania](https://medpli.com/pennsylvania-doctors-buying-guide-medical-malpractice-insurance/)
- [Rhode Island](https://medpli.com/#quote)
- [South Carolina](https://medpli.com/south-carolina-doctors-buying-guide-to-medical-malpractice-insurance/)
- [South Dakota](https://medpli.com/#quote)
- [Tennessee](https://medpli.com/tennessee-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Texas](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/)
- [Utah](https://medpli.com/utah-doctors-buying-guide-medical-malpractice-insurance/)
- [Vermont](https://medpli.com/#quote)
- [Virginia](https://medpli.com/virginia-doctors-buying-guide-medical-malpractice-insurance/)
- [Washington](https://medpli.com/washington-doctors-buying-guide-medical-malpractice-insurance/)
- [West Virginia](https://medpli.com/west-virginia-medical-malpractice-insurance-buying-guide/)
- [Wisconsin](https://medpli.com/#quote)
- [Wyoming](https://medpli.com/#quote)
- ABOUT[About MEDPLI](https://medpli.com/about-us/)
- [Staff](https://medpli.com/about-our-staff/)
- NEWS & BLOG[Blog](https://medpli.com/medical-malpractice-insurance-blog/)
- [Press](https://medpli.com/news/)
- [GET QUOTE](https://medpli.com/get-your-medical-malpractice-insurance-quote/)
menu- [Services](https://medpli.com/products-services/)
- [Specialties](https://medpli.com/specialties/)
- [State Buying Guides](https://medpli.com/states/)
- [About](https://medpli.com/about-us/)
- News & Blog[Blog](https://medpli.com/medical-malpractice-insurance-blog/)
- [In The News](https://medpli.com/news/)
- [Get Quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/)
[](tel:1-800-969-1339)

[1-800-969-1339](tel:1-800-969-1339)

[﻿](https://medpli.com/get-your-medical-malpractice-insurance-quote/)

[GET A FREE QUOTE](https://medpli.com/#quote)

		
					
							
			- [Home](https://medpli.com)
- Alabama Medical Malpractice Insurance: 2026 Buyer’s Guide

# Alabama Medical Malpractice Insurance: 2026 Buyer’s Guide
[Get a quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/)By [Max Schloemann](https://medpli.com/author/max-schloemann/)Published On: July 20th, 2026

  
- [Home](https://medpli.com)
- Alabama Medical Malpractice Insurance: 2026 Buyer’s Guide

### Alabama Medical Malpractice Insurance: 2026 Buyer’s Guide
[Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)July 20th, 2026

						
				

									

				
					Over [30% of U.S. physicians have faced a malpractice claim](https://www.ama-assn.org/press-center/press-releases/ama-one-three-physicians-previously-sued-their-career) at some point in their careers, underscoring the importance of robust, reliable coverage. MEDPLI stands as an advocate for doctors, never settling for less than the medical malpractice trifecta:

#### Premier Coverage

#### A-Rated Provider

#### Competitive Rate

## Get a Free Quote

  Name *FirstLastSpecialty *Select your SpecialtyAesthetic MedicineAllergyAnesthesiologyCardiology-InvasiveCardiology-Non InvasiveConciergeDermatologyDirect Primary Care (DPC)Emergency MedicineEndocrinologyFamily PracticeFunctional MedicineGastroenterologyGynecology - No SurgeryHematologyHormone Replacement TherapyIndependent Medical Evaluations (IME)Infectious DiseaseInternal MedicineKetamine Infusion TherapyMedical DirectorMidwiferyNeonatologyNephrologyNeurologyOB/GYNOccupational MedicineOncologyOphthalmologyPain ManagementPathologyPediatricsPhysical Medicine/RehabilitationPodiatry - No SurgeryPodiatry - SurgeryPsychiatryPulmonary DiseaseRadiologyRadiology - InterventionalRheumatologySurgery: BariatricSurgery: Cardiovascular ThoracicSurgery: General (Including Trauma)Surgery: HandSurgery: NeurosurgerySurgery: OncologySurgery: Orthopedic without SpineSurgery: Orthopedic with SpineSurgery: PlasticSurgery: Colon & RectalSurgery: GynecologySurgery: Otorhinolaryngology with elective plasticSurgery: Otorhinolaryngology-no elective plasticSurgery: UrologySurgery: VascularSurgery: ThoracicWeight Loss MedicineOtherDegree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOtherNextPhone *Email *State *Select a StateAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNational Provider Identifier (NPI)(optional)(Optional) Upload supporting documents (current policy package, CV, NPDB report, and any prior claims information)
	
		
			
		

		
							Drag & Drop Files, 				Choose Files to Upload
					

					You can upload up to 5 files.
			

Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates.
By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.CommentSubmit  

## We Find Physicians Policies from A-Rated Malpractice Carriers, Averaging 20% in Premium Savings
Alabama doctors face increasing liability risks and rising insurance costs in 2026. Use this resource to compare carriers, understand your risk, and secure the right protection for your practice.

### Table of Contents

## Top 4 Medical Malpractice Insurance Companies in Alabama

We recommend carriers with an AM Best “A” or higher rating. An A-rating indicates financial strength, long-term solvency, and an established history of protecting Alabama physicians. 

- *The Doctor’s Company
- **State Volunteer Mutual Insurance Co
- **Medical Protective Group
- **Mag Mutual Insurance Group
[Get Your Free Quote](#quote)*Your time is best spent with patients, not insurance companies.

MEDPLI advocates for doctors to find the best rates in Alabama, managing the entire process from quote to coverage.  

[Get Started](#quote)*
## What is the Cost of Medical Liability and Malpractice Insurance in Alabama?
**
## What is the Cost of Medical Liability and Malpractice Insurance in Alaska?**
These rate estimates are for informational purposes only and are based on the Alabama standard limits of $1,000,000 per claim and $3,000,000 aggregate per year.

Quotes require a completed application and underwriter approval. [**Contact us**](https://medpli.com/contact-us/) for a custom estimate if you don’t see your specialty. 

### **Average Cost of Medical Malpractice Insurance****
by Specialty in Alabama

(2026 data, $1M/3M coverage)

Specialty
2026

Annual Premium
2026

Tail Premium

[Anesthesiology](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/)
$12,240
$24,480

[Cardiovascular Disease– Minor Surgery](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/)
$14,280
$28,560

[Dermatology– No Surgery](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/)
$5,100
$10,200

Emergency Medicine
$20,400
$40,800

[Family Practice– No Surgery](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/)
$9,180
$18,360

[Gastroenterology– No Surgery](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/)
$10,200
$20,400

General Practice– No Surgery
$9,180
$18,360

[General Surgery](https://medpli.com/specialties/general-surgeon-medical-malpractice-insurance/)
$30,600
$61,200

Internal Medicine– No Surgery
$9,180
$18,360

[Neurology– No Surgery](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/)
$10,200
$20,400

[Obstetrics and Gynecology– Major Surgery](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/)
$45,900
$91,800

Occupational Medicine
$5,100
$10,200

Ophthalmology– No Surgery
$5,100
$10,200

[Orthopedic Surgery– No Spine](https://medpli.com/specialties/malpractice-insurance-orthopedic-surgeons/)
$30,600
$61,200

Pathology– No Surgery
$7,140
$14,280

Pediatrics– No Surgery
$9,180
$18,360

Pulmonary Disease– No Surgery
$12,240
$24,480

[Psychiatry](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/)
$5,100
$10,200

[Radiology – Diagnostic](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/)
$15,300
$30,600

Have a question? Get fast answers from a U.S.-based MEDPLI agent. [Call**](tel:800-969-1339) or [**email**](mailto:info@medpli.com) us today.

**MEDPLI’s multi-quote approach saves an average of 23% on insurance premiums.**

[GET A QUOTE](#quote)****
## **Average Medical Malpractice Payouts**

**in Alabama From ****2019-2025**

**
## Average Medical Malpractice Payouts in Alabama From 2019-2025

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    
**In 2025, Alabama physicians were held liable for 121 medical malpractice payouts.**

- Average Payout: $583,925

- Total Payout: $70,655,000**

(Source: National Practitioner Data Bank)

[See how Alabama compares to other states**](https://medpli.com/medical-malpractice-payouts-by-state/).

## **Professional Liability Insurance Options for Alabama Physicians**
Physicians in Alabama can choose between these two primary types of medical malpractice insurance: 

*
### [**1. Claims-Made Insurance**](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/)

- Provides coverage for incidents that occurred during the policy period IF the claim is filed while the policy is still active. If a claim is filed after the policy ends, that claim is NOT covered.

- Typically, it offers lower premiums at the start of the policy, but rates increase yearly as the policy matures. 

- Physicians need to obtain [**tail insurance coverage**](https://medpli.com/2020-physicians-guide-to-tail-insurance/) when a claims-made policy ends to ensure protection against future claims related to incidents that occurred during the policy period. Tail insurance premiums require a one-time cash payment equal to approximately 200% of the claims-made policy annual premium. 

### [**2. Occurrence Insurance**](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/)

- Provides coverage for incidents that occurred during the policy period, regardless of when a claim is reported to the carrier.

- Typically, it offers more costly premiums at the start of the policy, but the rate stays constant for the entire policy length.

- Physicians do not need tail coverage when an occurrence policy ends.

[Get Your Quote](#quote)***
## **What Is the Alabama Cap on Medical Malpractice Lawsuits?**
In 1991, the [**Alabama Supreme Court declared limitations on pain and suffering damages unconstitutional**](https://law.justia.com/cases/alabama/supreme-court/1991/592-so-2d-156-1.html). Since that ruling, medical malpractice lawsuits in Alabama have no longer been subject to non-economic or economic damage caps. 

Punitive damages are capped at $1.5 million, or three times the amount of compensatory damages, whichever is greater.  

****
## **What Is the Alabama Statute of Limitations for Medical Malpractice?**
In accordance with [**Alabama State Code**](https://law.justia.com/codes/alabama/title-6/chapter-5/article-27/section-6-5-482/#:~:text=(a)%20All%20actions%20against%20physicians,the%20claim%2C%20and%20not%20afterwards%3B), no actions for damages may commence more than 4 years after the date of the alleged injury, and, in most cases, medical malpractice claims must be filed within the following:

- 2 years from the date of the alleged injury, or 

- 6 months of discovery, whichever is earlier. 

Exceptions for Minors:

- A child under age four may take action until their 8th birthday.

## **Canceled or Non-Renewed?****
MEDPLI Is Your Best Ally**. 
**0%
### **Average Savings**

**0+
### **5-Star Reviews**

**0+
### **Doctors Served**

We’ve helped over 7,000 doctors eliminate liability risk with comprehensive coverage & affordable rates. 

[Get a quick quote here](#quote)**
## **Alabama Physicians & Surgeons Partner with MEDPLI**
We exclusively broker medical malpractice insurance, focusing daily on making the professional liability process less burdensome and expensive for doctors. 

With MEDPLI, Alabama physicians:

- **
**Save Time & Money

**We submit application paperwork to multiple carriers on your behalf and compare quotes to find you the best rate from an A-rated carrier.

- **
**Stress Less

**We navigate the specific requirements of your medical specialty and individual risk profile to evaluate carriers and policy details to identify underwriters whose risk appetite aligns with your needs.

## **Alaska Medical Malpractice Insurance FAQ**
Does medical malpractice insurance cover telemedicine in Alabama?[Marcie Lord](https://medpli.com/author/marcie/)2026-07-16T12:34:58-05:00
#### [****Does medical malpractice insurance cover telemedicine in Alabama?](#collapse-1-6633)
Many policies do, but coverage depends on the terms of your policy and where you provide care. Alabama physicians should confirm that their malpractice insurance extends to [**telemedicine services**](https://medpli.com/products-services/telemedicine-malpractice-insurance/) and that they comply with all applicable licensing requirements.

What are the medical malpractice insurance requirements for Alabama physicians?[Marcie Lord](https://medpli.com/author/marcie/)2026-07-16T12:36:12-05:00
#### [****What are the medical malpractice insurance requirements for Alabama physicians?](#collapse-1-6635)
Requirements vary by employer, hospital privileges, and specialty. Many healthcare organizations require physicians to maintain specific liability limits, commonly $1 million per claim and $3 million aggregate. A [**MEDPLI**](https://medpli.com/) broker can help you understand the coverage requirements that apply to your practice.

Do Alabama physicians need tail malpractice insurance?[Marcie Lord](https://medpli.com/author/marcie/)2026-07-16T12:36:57-05:00
#### [****Do Alabama physicians need tail malpractice insurance?](#collapse-1-6637)
If you have a [**claims-made policy**](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/) and change employers, retire, or switch insurance carriers, you will likely need [**tail coverage**](https://medpli.com/products-services/tail-malpractice-insurance/) to protect against future claims arising from prior patient care. 

We specialize in physician tail insurance and can compare multiple carriers to help you secure comprehensive coverage at a competitive price.

## **Get Your Quote for Medical Malpractice Insurance in Alabama**
Whether you’re a [**cardiologist**](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) in Mobile or a [**Neurosurgeon**](https://medpli.com/specialties/malpractice-insurance-for-neurosurgeons/) in Birmingham, MEDPLI will provide you with premier coverage at a competitive rate.  

Call **800-969-1339** or [**Request a Quote**](https://medpli.com/#quote).

## GET QUOTE

#### Get a fast quote for medical malpractice insurance.

  *Name *FirstLastSpecialty *Select your SpecialtyAesthetic MedicineAllergyAnesthesiologyCardiology-InvasiveCardiology-Non InvasiveConciergeDermatologyDirect Primary Care (DPC)Emergency MedicineEndocrinologyFamily PracticeFunctional MedicineGastroenterologyGynecology - No SurgeryHematologyHormone Replacement TherapyIndependent Medical Evaluations (IME)Infectious DiseaseInternal MedicineKetamine Infusion TherapyMedical DirectorMidwiferyNeonatologyNephrologyNeurologyOB/GYNOccupational MedicineOncologyOphthalmologyPain ManagementPathologyPediatricsPhysical Medicine/RehabilitationPodiatry - No SurgeryPodiatry - SurgeryPsychiatryPulmonary DiseaseRadiologyRadiology - InterventionalRheumatologySurgery: BariatricSurgery: Cardiovascular ThoracicSurgery: General (Including Trauma)Surgery: HandSurgery: NeurosurgerySurgery: OncologySurgery: Orthopedic without SpineSurgery: Orthopedic with SpineSurgery: PlasticSurgery: Colon & RectalSurgery: GynecologySurgery: Otorhinolaryngology with elective plasticSurgery: Otorhinolaryngology-no elective plasticSurgery: UrologySurgery: VascularSurgery: ThoracicWeight Loss MedicineOtherDegree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOther**NextPhone *Email *State *Select a StateAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNational Provider Identifier (NPI)(optional)(Optional) Upload supporting documents (current policy package, CV, NPDB report, and any prior claims information)
	
		
			
		

		
							Drag & Drop Files, 				Choose Files to Upload
					

					You can upload up to 5 files.
			

Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates.
By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.NameSubmit  

#### Share This Story, Choose Your Platform!
[*](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Falabama-doctors-buying-guide-medical-malpractice-insurance%2F&t=Alabama%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide)[**](https://x.com/intent/post?text=Alabama%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&url=https%3A%2F%2Fmedpli.com%2Falabama-doctors-buying-guide-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmedpli.com%2Falabama-doctors-buying-guide-medical-malpractice-insurance%2F&title=Alabama%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&summary=Over%2030%25%20of%20U.S.%20physicians%20have%20faced%20a%20malpractice%20claim%20at%20some%20point%20in%20their%20careers%2C%20underscoring%20the%20importance%20of%20robust%2C%20reliable%20coverage.%20MEDPLI%20stands%20as%20an%20advocate%20for%20doctors%2C%20never%20settling%20for%20less%20than%20the%20medical%20malpractice%20trifecta%3A%20Premier%20Coverage%20%20A-Rated%20Provider%20%20Competitive%20Rate%20%20%20%20Get%20a%20Free)[**](mailto:?subject=Alabama%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&body=https%3A%2F%2Fmedpli.com%2Falabama-doctors-buying-guide-medical-malpractice-insurance%2F)*[Max Schloemann](https://medpli.com/author/max-schloemann/)

[](https://www.linkedin.com/company/medpli-professional-liability-insurance)[](https://www.facebook.com/Medpli/)[](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[](https://www.instagram.com/medpli/)[](https://twitter.com/MedpliMax)
## About the Author
Max Schloemann is a medical malpractice insurance broker helping physicians and surgeons secure Medical Professional Liability coverage. A Magna Cum Laude graduate of Southern Illinois University’s College of Business, he was named Outstanding Management Senior.

Max began his career in 2008 at an industry-leading firm and founded MEDPLI in 2017 to guide private practice doctors and physicians in transition through the complexities of malpractice insurance.

Outside of work, Max, his wife Kristen (a Physician Assistant), and their four kids enjoy the outdoors and attending the kids’ sporting events. [Contact Max](https://medpli.com/contact-us/) for malpractice insurance questions.

[](https://www.linkedin.com/company/medpli-professional-liability-insurance)[](https://www.facebook.com/Medpli/)[](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[](https://www.instagram.com/medpli/)[](https://twitter.com/MedpliMax)
## Latest from the Medical Malpractice Insurance Blog
- Carrier Spotlight
							[
										](https://medpli.com/the-doctors-company-acquires-proassurance/)
							

## [The Doctors Company Completes Acquisition of ProAssurance: What It Means for Policyholders](https://medpli.com/the-doctors-company-acquires-proassurance/)
[Max Schloemann](https://medpli.com/author/max-schloemann/)|August 31st, 2026|The Doctors Company completed its acquisition of ProAssurance. See what it means for current policyholders and the malpractice insurance market going forward.


[Read More***](https://medpli.com/the-doctors-company-acquires-proassurance/)

- Florida
							[
							*			](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/)
							

## [Florida OB/GYN Guide to Medical Malpractice Insurance](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/)
[Max Schloemann](https://medpli.com/author/max-schloemann/)|August 27th, 2026| Malpractice Payouts for Florida OBGYNs Are High Florida OB/GYN [...]

[Read More***](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/)

- Latest
							[
							*			](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/)
							

## [Florida Neurosurgeons Guide to Medical Malpractice Insurance](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/)
[Max Schloemann](https://medpli.com/author/max-schloemann/)|August 26th, 2026|  Florida Is a Destination for World-Class Neurosurgery  [...]

[Read More***](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/)

- Malpractice Insurance
							[
							*			](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/)
							

## [Buying Malpractice Insurance 101: A Guide for Physicians](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/)
[Max Schloemann](https://medpli.com/author/max-schloemann/)|August 24th, 2026| In this article, medical malpractice insurance expert Max Schloemann [...]

[Read More***](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/)

[Previous](https://medpli.com/alaska-doctors-buying-guide-medical-malpractice-insurance/)[Next](https://medpli.com/idaho-medical-malpractice-insurance-buying-guide/)
				
			
			
						
					  
				  
				
				
								
					
		
					
	
		
			
				
																									
													
																										
													
																										
													
																																				
				
			 
		 
	 

	
	
		
			

				
		
		
  
*The information on this page is provided for general informational purposes only and is not intended to constitute insurance or legal advice**.  
MEDPLI is not a law firm and does not provide legal advice.*
  



*
**MEDPLI Insurance Services**, LLC is an independent insurance broker dedicated to helping doctors find the coverage that best fits their professional needs.
 * 
  

MEDPLI © 2026 All Rights Reserved. [Privacy Policy](https://medpli.com/privacy-policy/)	

	[LinkedIn](https://www.linkedin.com/company/medpli-professional-liability-insurance)[Facebook](https://www.facebook.com/Medpli/)[YouTube](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[Instagram](https://www.instagram.com/medpli/)[X](https://twitter.com/MedpliMax)

			 
		 
	 
		 

		
																 
		 
				[Page load link](#)

		
			

	

				
				
		
				
			
Tail coverage term lengths range from 1 year to unlimited. Standard terms are for 2, 3, and 5 years.
**Expert tip:** Choose tail coverage that extends beyond your state’s malpractice claim statute of limitations. Most physicians prefer unlimited-term policies for lasting protection, even if shorter options cost less.

		

				
							**
			×			
		
	

	

				
				
		
				
			
Without tail insurance coverage, a physician can be financially liable for future claims from patient care that occured during the lapsed claims-made policy period. This liability can range from thousands to millions of dollars, based on the severity of the claim.
Expert Tip:** Use our **[Medical Malpractice Payouts By State Tool](https://medpli.com/medical-malpractice-payouts-by-state/)** to get a sense of what the medical malpractice payout landscape is like in different states.

		

				
							**
			×			
		
	

	

				
				
		
				
			
Tail insurance should be secured by the last day of the active claims-made policy. Often, the incumbent carrier offers a 30-day window after the policy lapses for a doctor to exercise the option to buy their tail policy. We recommend that you pursue standalone quotes before accepting an incumbent offer. Starting that process when you decide to change employers will provide more opportunities to compare quotes and secure the best rate.

Expert Tip:** If you’re planning to leave your employer or have already done so, reach out to a medical malpractice insurance broker right away. Timing is critical for securing proper coverage.

		

				
							**
			×			
		
	

	

				
				
		
				
			
Each medical specialty has its own insurance risk profile, which may require specialized tail insurance. A policy must reflect the exact circumstances of a physician’s practice and cover all services provided.
		

				
							
			×			
		
	

	

				
				
		
				
			
Tail coverage protects doctors against any future claims that have yet to be reported.
		

				
							
			×			
		
	

	

				
				
		
				
			
What does tail insurance typically cover?****
Tail insurance covers any financial liability associated with a medical malpractice claim.

This includes:

- Legal fees

- Expert witnesses

- Settlements

- Any damages awarded to the plaintiff

		

				
							
			×			
		
	

	

				
				
		
				
			
When is tail coverage necessary?**

Tail coverage is necessary is specific situations, primarily for professionals and organizations that use **[claims-made insurance policies](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/#:~:text=claim%20is%20submitted.-,2.%20Do%20Occurrence%20and%20Claims%2DMade%20Policies%20Offer%20Different%20Benefits%3F,-As%20you%20decide)**. There are four common instances when it’s needed:

- When You’re Leaving a Claims-Made Policy

- When Switching Insurers or Jobs

- When Retiring or Closing a Practice

- When Contractually Required

		

				
							
			×			
		
	

	

				
				
		
				
			
Tail insurance protects you from claims made after your claims-made policy ends. It covers incidents that occurred while you were insured but are reported later, after your policy’s cancellation date. Without tail coverage, you’d be personally responsible for any lawsuits or legal costs that arise afterward, which can cost hundreds of thousands of dollars.

**Expert Tip:** When changing jobs, review your insurance program with an **[experienced broker](https://medpli.com/contact-us/)** who knows how to navigate the fine print and ensure you’re protected.

		

				
							
			×			
		
	

	

				
							
				Get a Quote			
		
		
				
			Name *FirstLastSpecialty *Select your SpecialtyAesthetic MedicineAllergyAnesthesiologyCardiology-InvasiveCardiology-Non InvasiveConciergeDermatologyDirect Primary Care (DPC)Emergency MedicineEndocrinologyFamily PracticeFunctional MedicineGastroenterologyGynecology - No SurgeryHematologyHormone Replacement TherapyIndependent Medical Evaluations (IME)Infectious DiseaseInternal MedicineKetamine Infusion TherapyMedical DirectorMidwiferyNeonatologyNephrologyNeurologyOB/GYNOccupational MedicineOncologyOphthalmologyPain ManagementPathologyPediatricsPhysical Medicine/RehabilitationPodiatry - No SurgeryPodiatry - SurgeryPsychiatryPulmonary DiseaseRadiologyRadiology - InterventionalRheumatologySurgery: BariatricSurgery: Cardiovascular ThoracicSurgery: General (Including Trauma)Surgery: HandSurgery: NeurosurgerySurgery: OncologySurgery: Orthopedic without SpineSurgery: Orthopedic with SpineSurgery: PlasticSurgery: Colon & RectalSurgery: GynecologySurgery: Otorhinolaryngology with elective plasticSurgery: Otorhinolaryngology-no elective plasticSurgery: UrologySurgery: VascularSurgery: ThoracicWeight Loss MedicineOtherDegree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOtherNextPhone *Email *State *Select a StateAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNational Provider Identifier (NPI)(optional)(Optional) Upload supporting documents (current policy package, CV, NPDB report, and any prior claims information)
	
		
			
		

		
							Drag & Drop Files, 				Choose Files to Upload
					

					You can upload up to 5 files.
			

Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates.
By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.WebsiteSubmit  

		

				
							
			CLOSE			
		
	

		
			

		

			
		[
			Go to Top

					](#)