Table of Contents
- Top Medical Malpractice Insurance Companies in Florida
- How Much is Medical Malpractice Insurance in Florida By Specialty?
- Average Medical Malpractice Payouts in Florida From 2015-2024
- Types of Professional Liability Insurance in Florida
- Are There Medical Malpractice Caps on Damages in Florida?
- Statute of Limitations for Medical Malpractice in Florida
- Florida Physicians & Surgeons Partner with MEDPLI
- Medical Malpractice Insurance in Florida FAQ
- Get Your Quote for Medical Malpractice Insurance in Florida From MEDPLI
How Much is Medical Malpractice Insurance in Florida By Specialty?
How Much is Medical Malpractice Insurance in Florida By Specialty?
These rate estimates are for informational purposes only and are based on the Florida standard limits of $1,000,000 per claim/$3,000,000 aggregate per year.
Quotes require a completed application and underwriter approval. Contact us for a custom estimate if you don’t see your specialty.
Average Annual Premiums for Medical Malpractice Insurance
in Florida by Specialty
(2026 data, $1M/$3M coverage)
| Specialty | 2026 Annual Premium |
2026 Tail Premium |
|---|---|---|
| Anesthesiology | $24,480 | $48,960 |
| Cardiovascular Disease– Minor Surgery | $31,620 | $63,240 |
| Dermatology– No Surgery | $12,240 | $24,480 |
| Emergency Medicine | $39,780 | $79,560 |
| Family Practice– No Surgery | $18,360 | $36,720 |
| Gastroenterology– No Surgery | $23,460 | $46,920 |
| General Practice– No Surgery | $18,360 | $36,720 |
| General Surgery | $65,130 | $132,600 |
| Internal Medicine– No Surgery | $18,360 | $36,720 |
| Neurology– No Surgery | $25,500 | $51,000 |
| Obstetrics and Gynecology– Major Surgery | $85,160 | $171,360 |
| Occupational Medicine | $12,240 | $24,480 |
| Ophthalmology– No Surgery | $12,240 | $24,480 |
| Orthopedic Surgery– No Spine | $49,980 | $99,960 |
| Pathology– No Surgery | $12,240 | $24,480 |
| Pediatrics– No Surgery | $17,340 | $34,680 |
| Pulmonary Disease– No Surgery | $24,480 | $48,960 |
| Psychiatry | $12,240 | $24,480 |
| Radiology – Diagnostic | $28,560 | $57,120 |
*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 or email info@medpli.com.
Average Medical Malpractice Payouts in Florida From 2015-2024
In 2024, Florida physicians were held liable for 1212 medical malpractice payouts.
- Average Payout: $307,792
- Total Payout: $373,044,650
(Source: National Practitioner Data Bank)
Types of Professional Liability Insurance in Florida
Physicians in Florida 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 need to 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 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 for the entire policy length.
- Physicians do not need tail coverage when an occurrence policy ends.
Are There Medical Malpractice Caps on Damages in Florida?
There are no limitations on economic or non-economic damages. In 2017, the Florida Supreme Court ruled damage caps unconstitutional, arguing that limiting plaintiff payouts would violate equal protection rights.
Punitive damages are subject to the following parameters, depending on the context of a provider’s wrongful conduct:
- Intent to Harm: No cap.
- Gross Negligence: Not to exceed the greater of $500,000 or 3x the total compensatory damages.
- Motivated by Financial Gain: Not to exceed $2 million or 4x the total compensatory damages.
Statute of Limitations for Medical Malpractice in Florida
According to the Florida Comprehensive Medical Malpractice Reform Act, an action for medical malpractice damages shall be filed within:
- 2 years of injury or death.
- No more than 4 years after the alleged malpractice.
- 7 years IF the case involves fraud, concealment, or intentional misrepresentation.
Exception:
- The limitations for minors aged eight or younger do not apply for claims filed by the claimant’s 8th birthday.
Canceled or Non-Renewed?
MEDPLI Is Your Best Ally.
Florida 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, Florida physicians:
Medical Malpractice Insurance in Florida FAQ
In 2026, Florida medical malpractice insurance premiums typically range from $12,000 to $85,000 per year, depending on your specialty, claims history, and coverage limits.
For example, family practitioners with no surgery may pay around $18,000 annually, while OB/GYNs with major surgery can exceed $85,000.
To get an accurate quote based on your risk profile, request a free MEDPLI quote today.
Florida law does not require all physicians to carry malpractice insurance, but it does require proof of financial responsibility in the event of a claim.
Physicians can meet this requirement by:
- Purchasing malpractice insurance with minimum limits of $100,000 per claim / $300,000 aggregate, or
-
Posting a surety bond or escrow account for the same amount.
Most hospitals, surgery centers, and medical groups still require active malpractice coverage, which is where MEDPLI helps physicians find affordable, compliant policies.
Tail coverage is not automatically included in most Florida malpractice insurance policies. It’s required when you have a claims-made policy and you leave your practice, switch insurers, or retire, to protect against claims filed later.
Tail coverage typically costs 150%–250% of your annual premium as a one-time payment.
MEDPLI helps doctors compare tail options and find the most cost-effective way to stay protected after policy termination.
Get Your Quote for Medical Malpractice Insurance in Florida From MEDPLI
We are Florida’s medical malpractice insurance brokers. If you’re a orthopedic suregon in Jacksonville or a plastic surgeon in Miami, MEDPLI will provide you with premier coverage at a competitive rate. Call 800-969-1339 or Request a Quote.
Get A Quote
Get a fast quote for your tail insurance policy.
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. For malpractice insurance questions, you can contact Max here.
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