Top 5 Malpractice Insurance Carriers in Georgia
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 Georgia physicians.
2025 Georgia Malpractice Insurance Rates by Specialty
These rate estimates are for informational purposes only and are based on the GA standard limits of $1,000,000 for Each Claim / $3,000,000 Aggregate per year in coverage.
Quotes require a completed application and underwriter approval. Contact us for a custom estimate if you don’t see your specialty.
| Specialty | 2025 Annual Premium |
2025 Tail Premium |
|---|---|---|
| Anesthesiology | $18,000 | $36,000 |
| Cardiovascular Disease– Minor Surgery | $20,000 | $40,000 |
| Dermatology– No Surgery | $10,000 | $20,000 |
| Emergency Medicine | $30,000 |
$60,000 |
| Family Practice– No Surgery | $12,000 | $24,000 |
| Gastroenterology– No Surgery | $15,000 | $30,000 |
| General Practice– No Surgery | $12,000 | $24,000 |
| General Surgery | $40,000 | $80,000 |
| Internal Medicine– No Surgery | $12,000 | $24,000 |
| Neurology– No Surgery | $16,000 |
$32,000 |
| Obstetrics and Gynecology– Major Surgery | $75,000 | $150,000 |
| Occupational Medicine | $9,000 | $18,000 |
| Ophthalmology– No Surgery | $9,000 | $18,000 |
| Orthopedic Surgery– No Spine | $40,000 | $80,000 |
| Pathology– No Surgery | $11,000 |
$22,000 |
| Pediatrics– No Surgery | $12,000 | $24,000 |
| Pulmonary Disease– No Surgery | $16,000 | $32,000 |
| Psychiatry | $9,000 | $18,000 |
| Radiology – Diagnostic | $15,000 | $30,000 |
Georgia Medical Malpractice Payouts From 2015-2023
Types of Professional Liability Insurance for Georgia Physicians
Physicians in Georgia can choose between these two primary types of medical malpractice insurance:
- 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 must obtain tail insurance coverage 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’s annual premium.
- 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 throughout the policy’s duration.
- Physicians do not need tail coverage when an occurrence policy ends.
In 2023, Georgia physicians were held liable for 256 medical malpractice payouts.
- Average Payout: $581,377
- Total Payout: $148,832,750
(Source: National Practitioner Data Bank)
Does Georgia Have Damage Caps for Medical Malpractice Lawsuits?
Georgia has not enforced non-economic damage caps for medical malpractice lawsuits since a 2010 Georgia Supreme Court ruling declared them unconstitutional as a violation of the right to trial by jury.
For punitive damages in the event of willful misconduct or malice, Georgia enforces a cap of $250,000 and distributes 75% of the award to the state rather than the plaintiff.
Georgia Statute of Limitations for Medical Malpractice Claims
According to Georgia state code, an action for medical malpractice damages shall be filed within the following:
- 2 years from the date of injury or wrongful death
- 2 years after discovery of an injury, up to a maximum of 5 years
- 1 year after the discovery of a foreign object left inside the body
Exceptions to the limitations include:
- Minors are eligible for an automatic extension until their 7th birthday or until their 10th birthday in cases of delayed discovery
- Cases involving a plaintiff with a mental illness or intellectual disability .
Why Georgia Doctors 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, Georgia physicians:
MEDPLI helps doctors in every specialty.
Whether you’re an Interventional Radiologist in Atlanta or an OB/GYN in Macon, MEDPLI will find you premier coverage at a competitive rate. Call 800-969-1339 or Request a Quote.
