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[1-800-969-1339](tel:1-800-969-1339) | [info@medpli.com](mailto:info@medpli.com) [466 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/) - 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[Home](https://medpli.com) - Michigan Medical Malpractice Insurance: 2026 Buyer’s Guide ### Michigan Medical Malpractice Insurance: 2026 Buyer’s Guide [Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)April 29th, 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 Degree Phone Specialty 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)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.Submit ## We Find Physicians Policies from A-Rated Malpractice Carriers, Averaging 20% in Premium Savings. Michigan 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 Michigan** We recommend [carriers with an AM Best ‘A’ or higher rating](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/). An ‘A’-rating indicates financial strength, long-term solvency, and an established history of protecting Michigan physicians. - * The Doctors Company - ** MedPro Group - ** Coverys - ** Michigan Professional Insurance Exchange [Get Your Free Quote](#quote)***Your time is better spent with patients than with insurance companies. ** MEDPLI advocates for doctors to find the best rates in Michigan and manages the entire process, from quote to coverage. [Get Started](#quote)*** ## **What is the Cost of Medical Liability and Malpractice Insurance in Michigan?** ## **What is the Cost of Medical Liability and Malpractice Insurance in Michigan?** These rate estimates are for informational purposes only. Costs can vary based on the coverage limits you choose.  Most hospitals require $1,000,000 per claim and $3,000,000 aggregate per year, which is considered standard. Some providers carry $200,000 per claim and $600,000 aggregate per year, which can lower premiums but may not meet hospital requirements. 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 Michigan (2026 data, $1M/$3M coverage) Specialty 2026 Annual Premium 2026 Tail Premium [Anesthesiology](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/) $22,440 $44,880 [Cardiovascular Disease – Minor Surgery](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) $31,620 $63,240 [Dermatology – No Surgery](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/) $12,240 $24,480 Emergency Medicine $43,860 $87,720 [Family Practice – No Surgery](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/) $19,380 $38,760 [Gastroenterology – No Surgery](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/) $23,460 $46,920 General Practice – No Surgery $19,380 $38,760 [General Surgery](https://medpli.com/specialties/general-surgeon-medical-malpractice-insurance/) $70,380 $140,760 Internal Medicine – No Surgery $19,380 $38,760 [Neurology – No Surgery](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/) $22,440 $44,880 [Obstetrics and Gynecology – Major Surgery](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) $95,880 $191,760 Occupational Medicine $12,240 $24,480 Ophthalmology – No Surgery $12,240 $24,480 [Orthopedic Surgery – No Spine](https://medpli.com/specialties/malpractice-insurance-orthopedic-surgeons/) $56,100 $112,200 Pathology – No Surgery $15,300 $30,600 Pediatrics – No Surgery $17,340 $34,680 Pulmonary Disease – No Surgery $27,540 $55,080 [Psychiatry](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) $12,240 $24,480 [Radiology – Diagnostic](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/) $30,600 $61,200 **Note: These rates are approximate, and each individual has unique factors that can affect their premium.* Have a question? Get fast answers from a U.S.-based MEDPLI agent. Call **[**1-800-969-1339**](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 Michigan From 2019-2025** In 2025, Michigan physicians were held liable for 327 medical malpractice payouts. - Average Payout: $288,809 - Total Payout: $94,440,750 (Source: National Practitioner Data Bank) [**See how Michigan compares to other states**](https://medpli.com/medical-malpractice-payouts-by-state/). ## **Professional Liability Insurance Policy Options for Michigan Physicians** Physicians in Michigan 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 higher premiums at the start of the policy, but the rate remains constant for the entire policy term. - Physicians do not need tail coverage when an occurrence policy ends. [Get Your Quote](#quote)*** ## **What Is the Damages Cap on Michigan Medical Malpractice Lawsuits?** Michigan does not limit economic damages, though [**limitations on the total amount of noneconomic damages**](https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-600-1483) have been in place since the early 1990s. The statute sets [**baseline caps of $280,000 and $500,000 for catastrophic injuries**](https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-600-1483), but each subsequent year, the state treasurer adjusts the caps to reflect annual fluctuations in the consumer price index. In general: - A standard cap applies to most medical malpractice cases - A higher cap may apply in cases involving serious, long-term harm **When Does the Higher Cap Apply?** The higher limit is typically reserved for cases involving significant, permanent injury, such as: - Loss of use of a limb or major bodily function - Severe brain or spinal cord injury - Permanent cognitive impairment - Loss of or damage to a reproductive organ Because these caps are adjusted annually, it’s best to reference the most recent figures from official state sources when evaluating a specific case. **** ## **What Is the Statute of Limitations for Michigan Medical Malpractice?** Michigan state law requires that medical malpractice claims be filed within a maximum of 6 years after the medical error and within these statutes of limitation, whichever is later: - **[2 years from the date of injury](https://legislature.mi.gov/Laws/MCL?objectName=MCL-600-5838A)** - 6 months from the date of discovery **Exceptions to the limitations include:** - Fraudulent conduct or concealment - Permanent loss or damage to a reproductive organ - Minor plaintiffs under the age of 8 can file an action up until their 10th birthday - In cases that involve reproductive system injury, minor plaintiffs under the age of 13 can file an action up until their 15th birthday or within 2 years from the date of injury, whichever is later. ## **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)** ## **Michigan 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, Michigan 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. ## Michigan Medical Malpractice Insurance FAQ** Is medical malpractice insurance required for physicians in Michigan?[Marcie Lord](https://medpli.com/author/marcie/)2026-04-03T15:19:30-05:00 #### [****Is medical malpractice insurance required for physicians in Michigan?](#collapse-1-6188) Michigan does not legally require physicians to carry medical malpractice insurance in order to practice. However, most hospitals, surgical centers, and healthcare systems require physicians to maintain coverage as a condition of credentialing. Even when it is not mandatory, carrying professional liability insurance in Michigan is considered essential to [protect against the financial risk](https://medpli.com/policy-changes-in-2026-and-the-rising-risk-landscape-for-healthcare-providers/) of malpractice claims. What are the typical coverage limits for medical malpractice insurance in Michigan?[Marcie Lord](https://medpli.com/author/marcie/)2026-04-03T15:19:34-05:00 #### [****What are the typical coverage limits for medical malpractice insurance in Michigan?](#collapse-1-6189) Medical malpractice coverage limits in Michigan can vary, but many physicians carry policies with limits of $200,000 per claim and $600,000 aggregate per year. While higher limits, such as $1M/$3M, are also available and increasingly common, many practitioners still choose the 200/600 structure, depending on their specialty, hospital requirements, and risk level. Coverage limits can affect both your premium cost and financial protection, which is why many doctors consult a broker to compare options. [**MEDPLI **](https://medpli.com/)regularly helps physicians evaluate whether their Michigan professional liability insurance policy meets both credentialing and risk-management needs. How do Michigan malpractice insurance rates compare to those in other states?[Marcie Lord](https://medpli.com/author/marcie/)2026-04-03T14:50:54-05:00 #### [****How do Michigan malpractice insurance rates compare to those in other states?](#collapse-1-6190) Compared to states with larger malpractice payouts or more litigation, medical malpractice insurance in Michigan is generally considered moderate in cost. Premiums are influenced by the state’s non-economic damage caps and overall claim environment. However, rates can still vary significantly by specialty and location. [**Surgeons**](https://medpli.com/specialties/malpractice-insurance-general-surgeons/) and [**OB-GYN**](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/)s typically pay much higher premiums than physicians in lower-risk specialties, such as [**psychiatry**](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) or pediatrics. ## **Get Your Quote for Medical Malpractice Insurance in Michigan** Whether you’re a [**neurosurgeon**](https://medpli.com/specialties/malpractice-insurance-for-neurosurgeons/) in Detroit or an [**orthopedic surgeon**](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons/) in Petoskey, MEDPLI will provide you with premier coverage at a competitive rate.   Call [**800-969-1339**](tel:800-969-1339) or [**Request a Quote**](https://medpli.com/#quote).**** ## Get a Michigan Malpractice 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 MedicineOther and GCLID Stay Degree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOther**NextPhone *Email *State *Select a StateAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNational Provider Identifier (NPI)(optional)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.Submit #### Share This Story, Choose Your Platform! [*](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fmichigan-doctors-buying-guide-to-medical-malpractice-insurance%2F)[**](https://x.com/intent/post?text=Michigan%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&url=https%3A%2F%2Fmedpli.com%2Fmichigan-doctors-buying-guide-to-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fmedpli.com%2Fmichigan-doctors-buying-guide-to-medical-malpractice-insurance%2F)[**](mailto:?subject=Michigan%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%26%238217%3Bs%20Guide&body=https%3A%2F%2Fmedpli.com%2Fmichigan-doctors-buying-guide-to-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 - Illinois [ ](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) ## [Illinois Medical Malpractice Insurance: 2027 Buyer’s Guide](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Explore 2027 Illinois medical malpractice insurance costs, top A-rated insurers, payout trends & the latest state regulations. Get your free quote today. [Read More***](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) - Malpractice Insurance [ * ](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) ## [Medical Malpractice Insurance in Florida: 2027 Buyer’s Guide](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Compare 2027 Florida medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today. [Read More***](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) - Malpractice Insurance [ * ](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) ## [Texas Medical Malpractice Insurance: 2027 Buyer’s Guide](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Compare 2027 Texas medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today. [Read More***](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) - Malpractice Insurance [ * ](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/) ## [A Surgeon’s Malpractice Partner: The Ahuja Bariatric & Beyond Story](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|November 2nd, 2026|Learn what to consider when buying malpractice insurance, from policy types and tail coverage to limits and carriers. Get a quote from MEDPLI today. [Read More***](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/) [Previous](https://medpli.com/physicians-guide-to-tail-insurance/)[Next](https://medpli.com/arizona-doctors-buying-guide-medical-malpractice-insurance/) MEDPLI is an independent insurance practice specializing in medical professional liability insurance. Through our A-rated insurance partners, we provide insurance solutions to doctors and healthcare providers in the United States. - [ Home](https://medpli.com/) - [ Services](https://medpli.com/products-services/)[ Telemedicine 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/) - [ Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/) - [ Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/) - [ 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/) - [ 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/) - [ About](https://medpli.com/about-us/)[ Staff](https://medpli.com/about-our-staff/) - News & Blog[ In The News](https://medpli.com/news/) - [ Privacy Policy](https://medpli.com/privacy-policy/) - [ Contact Us](https://medpli.com/contact-us/) Telephone: [800-969-1339](tel:800-969-1339) Email: [info@medpli.com](mailto:info@medpli.com) MEDPLI Insurance Services 1740 Innovation Drive, Ste. 44 Carbondale, IL 62903 [](https://medpli.epaypolicy.com/) *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)Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. 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