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[Home](https://medpli.com) - Illinois OB/GYN Guide to Medical Malpractice Insurance ### Illinois OB/GYN Guide to Medical Malpractice Insurance [Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)September 15th, 2023 ## Illinois OB/GYN Guide to Medical Malpractice Insurance Over 60% of Illinois’ medical malpractice premiums increased by 10% or more in 2022, according to an American Medical Association report. Practicing in a high-risk specialty, Illinois OB/GYNs are likely to be more affected by premium increases since they typically need coverage with higher liability limits. Illinois is also among the top 10 most litigious U.S. states for medical malpractice. The National Practitioner Data Bank reports that more than 1,500 medical malpractice claims were filed in Illinois in 2022. That’s why Illinois OB/GYNs need robust and affordable medical malpractice coverage. As your only trusted broker, MEDPLI will help you find the right coverage at the best rate in Illinois. ## Get A Quote Specialty *Select your SpecialtyAesthetic MedicineAllergyAnesthesiologyCardiology-InvasiveCardiology-Non InvasiveConciergeDermatologyDirect Primary Care (DPC)Emergency MedicineEndocrinologyFamily Practice/General 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 DegreeMDDOCNMDPMDDSCRNANPPAPTOtherState *Select Your StateALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWYDCZip Code *NextBusiness NameName *FirstLastPhoneEmail *AddressAddress Line 1Address Line 2City--- Select state ---AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingStateZip Code(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 If you are an Illinois OB/GYN specialist in private practice, or planning to open a new practice in Illinois, use this guide prepared by independent MEDPLI insurance brokers to give you a concise overview of medical malpractice insurance. Then contact a MEDPLI insurance broker to discuss your coverage needs and [get a quote.](https://medpli.com) *** ## Medical Malpractice Insurance Requirements for Illinois OB/GYNs Illinois law does not require OB/GYNs to carry medical malpractice insurance to practice in the state. The standard limits of liability in Illinois are $1,000,000 Each Claim / $3,000,000 Aggregate per year in coverage.  However, OB/GYN is considered a high-risk specialty, so you will need more coverage to be protected if sued for malpractice.  MEDPLI strongly recommends securing coverage from an A-rated carrier as the most cost-effective way to protect against devastating financial loss if you are sued for malpractice in Illinois. As an independent broker, we specialize in medical malpractice insurance for OB/GYNs. We work for you to find the best policy at a great price. * ## Cost of Medical Malpractice Insurance for Illinois OB/GYNs Each insurance carrier uses its own proprietary methods of setting the cost of medical malpractice insurance. Carriers consider factors such as practice location, surgical specialty, and past claims history. In Illinois, the areas that typically carry the highest rates are: Chicago (Cook County); Madison and St. Clair Counties (Metro East Illinois counties adjacent to the Greater St. Louis, MO, area). The following are approximate medical malpractice insurance premium rates for OB/GYNs across all Illinois areas:  Specialty Approximate Claims Made Rate Approximate Tail Rate Approximate Occurrence Rate OB/GYN $50,000 $100,000 $65,000 *Using the IL standard limits of $1,000,000 Each Claim / $3,000,000 Aggregate per year in coverage *** ## Types of Professional Liability Insurance for Illinois OB/GYNs Here is an brief overview of the most common types of medical malpractice insurance for OB/GYNs in Illinois: ### 1. Claims Made Insurance [Claims-made malpractice insurance](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/) provides coverage if the policy is in effect both when the incident took place AND when the claim is filed. If a claim is filed after the end of the policy date, the claim is NOT covered. With a claims-made policy, you need tail malpractice insurance, which is a separately purchased insurance policy or endorsement, to make sure you have full protection. ### 2. Occurrence Insurance [Occurrence malpractice insurance](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/) provides coverage for incidents that occurred during the policy year, regardless of when a claim is reported to the carrier. Occurrence policies are more costly at the start of the policy, but the rate generally stays the same for the length of the policy, and there is no need for tail coverage when the policy ends. ### 3. Tail Insurance Since most malpractice insurance policies are underwritten on a claims-made basis, you will be exposed to a lawsuit if a former patient files a claim against you and you do not secure tail coverage. When you are preparing to leave your employer, you should seek [tail coverage](https://medpli.com/physicians-guide-to-tail-insurance/) options with an independent broker like MEDPLI. Tail insurance covers you for a specific time period. The new employer’s policy is not going to cover you for prior acts of a former practice, hence tail coverage is needed. Reach out to an experienced MEDPLI insurance broker who will get to work for you to find a tail policy at a great price. ## Let a MEDPLI Broker Help You Choose the Best Policy for Your Practice Every medical specialist’s situation is unique, so we recommend a conversation with a MEDPLI insurance broker to discuss the unique needs of your [Illinois practice**](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/). Your MEDPLI insurance broker will explain the benefits and limitations of each type of medical malpractice insurance to ensure you get the right type and amount of coverage for your OB/GYN specialty at the best rate. *[GET QUOTE](https://medpli.com/#quote) ## Get Quotes from A-rated Carriers Serving Illinois OB/GYNs MEDPLI insurance brokers will obtain quotes from medical malpractice insurance from carriers rated “A” by A.M. Best for their long-term financial solvency and robust legal support of policyholders. Some of the top carriers include: - * The Doctors Company - ** ISMIE - ** MedPro Group - ** ProAssurance - ** NORCAL Group (A Part of ProAssurance) **** ## Why OB/GYNs Are Classified as High Risk by Medical Malpractice Insurance Companies Medical malpractice insurance underwriters classify OB/GYN as a high-risk because of the potential severe birth injuries, gynecologic surgical errors and complications that commonly lead to allegations of malpractice. Therefore, the cost of medical malpractice insurance will be higher for OB/GYNs compared to other lower-risk specialties. ## Top Reasons Why Illinois OB/GYNs Are Sued Delay in treating fetal distress was the major allegation in the highest proportion of OB/GYN medical malpractice cases found in favor of the plaintiff, according to a review of claims data by “A” rated malpractice insurance carrier [**MedPro Group**](https://medpli.com/medpli-carrier-spotlight-medpro/) . Additional major allegations and contributing factors to claims included: - ** Improper management of pregnancy - ** Improper performance of vaginal delivery - ** Delay in delivery (induction/surgical) - ** Improper performance of operative delivery - ** Improperly managed labor - ** Improper choice of delivery method - ** Improper management of post-partum patient In addition to untreated complications leading to maternal or infant death, some of the most often cited allegations in Illinois OB/GYN medical malpractice cases include: - ** Failure to detect and respond to fetal distress - ** Failure to diagnose ectopic pregnancy - ** Infant birth injuries, including brain or organ damage - ** Delayed or unsuccessful cesarean section surgery - ** Undiagnosed health issues leading to infertility or pregnancy complications **OB/GYNs can reduce their risk of a malpractice lawsuit by implementing a comprehensive risk management strategy. For tips on fine tuning your risk management strategy, check out our **[OB/GYN’s Guide To Managing Malpractice Risk](https://surgpli.com/ob-gyn-specialists-how-to-proactively-manage-malpractice-risk/).** ## Illinois Medical Malpractice Insurance Legislation Consulting with a MEDPLI insurance broker who understands the complexities of Illinois’ medical malpractice laws will ensure that your OB/GYN practice is protected with the right amount of coverage. ** ## Illinois Damage Caps on Medical Malpractice Lawsuits Illinois currently has no limit on compensation for economic and non-economic patient injuries as a result of medical malpractice. However, Illinois does not allow rewards for punitive damages in medical malpractice lawsuits. ## Illinois Statute of Limitations for Medical Malpractice Claims According to state law, conditions for filing a medical malpractice lawsuit in Illinois are: - ** Within two (2) years from the date the patient knew or should have known of the injury - ** Illinois law prohibits patients from bringing a lawsuit more than four (4) years after the medically negligent act occurred - ** There is a special statute of limitations for patients who are minors at the time the medical malpractice occurred. Anyone under the age of 18 has up to eight (8) years to file a lawsuit, as long as the suit is filed before the patient turns 22. ## OB/GYN Medical Malpractice Outcomes in Illinois With no cap on economic damages and non-economic damages, OB/GYNs in Illinois are more vulnerable to personal financial loss if sued. **The total medical malpractice payout in Illinois was $148,628,000 in 2022. ** The following examples of Illinois medical malpractice show the critical need for OB/GYNs to have strong liability coverage: * ## Jury Awards OB/GYN Patient $9 Million The family of an Illinois woman brought suit against her obstetrician for wrongful death, alleging failure to properly treat placenta accrete, resulting in massive hemorrhaging, hemorrhagic shock, and multi-organ failure after cesarean section surgery. ## $11 Million Settlement in OB/GYN Case Failure to detect, monitor, and treat fetal distress led to a delay in a cesarean delivery, resulting in the infant suffering hypoxic-ischemic brain damage and permanent disabilities. ## Even the Best OB/GYNs In Illinois Need Protection From Malpractice Lawsuits Most OB/GYNs face at least one medical malpractice lawsuit brought forth by a patient throughout their career, so it’s essential to be covered when it happens to you. In addition to damages awarded to the plaintiff, having medical malpractice insurance assures that your legal costs will be covered regardless of whether the case is won or lost. ## How MEDPLI Brokers Help OB/GYN Specialists Save time and Money on Medical Malpractice Insurance Working with MEDPLI as your trusted broker takes the guesswork and effort out of trying to get the right coverage at the best rate on your own. We help you save time and money by: - * Researching all of your best coverage, rate, and “A” rated carrier options that specifically meet the requirements of your OB/GYN specialty and practice location in Illinois. - ** Asking about any policy discounts offered for a new practice, medical association members, or physicians with no previous claims, for example. Some of our carrier partners offer discounts for risk management and provide CMEs. - ** Researching flexible payment options offered by carriers to best fit the budget for your practice. - ** Reviewing and consulting with you on all quotes, payment options, and possible discounts to help you make the best choice of coverage and rate for your needs. MEDPLI insurance brokers are ready to help you navigate the complexities of Illinois’ medical malpractice laws and secure the right amount of [**malpractice coverage for your OB/GYN practice**](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/). From submitting your application, obtaining the best rates for new policies and renewals from “A” rated carriers, and more, MEDPLI is the only medical malpractice insurance broker you’ll ever need. ## [Have Questions? Need a Quote? Ask a MEDPLI Insurance Broker Now.](https://medpli.com/contact-us/) #### Share This Story, Choose Your Platform! [**](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fillinois-ob-gyn-guide-to-medical-malpractice-insurance%2F&t=Illinois%20OB%2FGYN%20Guide%20to%20Medical%20Malpractice%20Insurance)[**](https://x.com/intent/post?text=Illinois%20OB%2FGYN%20Guide%20to%20Medical%20Malpractice%20Insurance&url=https%3A%2F%2Fmedpli.com%2Fillinois-ob-gyn-guide-to-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmedpli.com%2Fillinois-ob-gyn-guide-to-medical-malpractice-insurance%2F&title=Illinois%20OB%2FGYN%20Guide%20to%20Medical%20Malpractice%20Insurance&summary=Illinois%20OB%2FGYN%20Guide%20to%20Medical%20Malpractice%20Insurance%20%0D%0AOver%2060%25%20of%20Illinois%E2%80%99%20medical%20malpractice%20premiums%20increased%20by%2010%25%20or%20more%20in%202022%2C%20according%20to%20an%20American%20Medical%20Association%20report.%20Practicing%20in%20a%20high-risk%20specialty%2C%20Illinois%20OB%2FGYNs%20are%20likely%20to%20be%20more%20affected%20by%20premium%20increases%20since%20they%20typically%20need%20coverage%20with%20higher%20liability%20limits.%0D%0AIllinois%20is)[**](mailto:?subject=Illinois%20OB%2FGYN%20Guide%20to%20Medical%20Malpractice%20Insurance&body=https%3A%2F%2Fmedpli.com%2Fillinois-ob-gyn-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 - Malpractice Insurance [ ](https://medpli.com/why-physician-reimbursement-needs-to-catch-up/) ## [Why Physician Reimbursement Needs to Catch Up With the Cost of Private Practice](https://medpli.com/why-physician-reimbursement-needs-to-catch-up/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|September 29th, 2026|Physician reimbursement is falling behind rising private practice costs. See the data, impact on patient access, and why it matters. Read here. [Read More***](https://medpli.com/why-physician-reimbursement-needs-to-catch-up/) - Carrier Spotlight [ * ](https://medpli.com/doctors-company-new-jersey-rate-decrease/) ## [The Doctors Company Cuts New Jersey Medical Malpractice Rates](https://medpli.com/doctors-company-new-jersey-rate-decrease/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|September 25th, 2026|The Doctors Company is dropping New Jersey physician malpractice rates by an average of 25.1%, effective October 1, 2026. Here's what it means for your premium. [Read More***](https://medpli.com/doctors-company-new-jersey-rate-decrease/) - 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/) [Previous](https://medpli.com/texas-ob-gyn-specialists-guide-medical-malpractice-insurance/)[Next](https://medpli.com/georgia-ob-gyn-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/?page_id=1698) - [ 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)(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. 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