Top 5 Malpractice Insurance Carriers 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.
2025 Alabama Malpractice Insurance Rates by Specialty
These rate estimates are for informational purposes only and are based on the AL 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 | $12,000 | $24,000 |
| Cardiovascular Disease– Minor Surgery | $14,000 | $28,000 |
| Dermatology– No Surgery | $5,000 | $10,000 |
| Emergency Medicine | $20,000 | $40,000 |
| Family Practice– No Surgery | $9,000 | $18,000 |
| Gastroenterology– No Surgery | $10,000 | $20,000 |
| General Practice– No Surgery | $9,000 | $18,000 |
| General Surgery | $30,000 | $60,000 |
| Internal Medicine– No Surgery | $9,000 | $18,000 |
| Neurology– No Surgery | $10,000 | $20,000 |
| Obstetrics and Gynecology– Major Surgery | $45,000 | $90,000 |
| Occupational Medicine | $5,000 | $10,000 |
| Ophthalmology– No Surgery | $5,000 | $10,000 |
| Orthopedic Surgery– No Spine | $30,000 | $60,000 |
| Pathology– No Surgery | $7,000 | $14,000 |
| Pediatrics– No Surgery | $9,000 | $18,000 |
| Pulmonary Disease– No Surgery | $12,000 | $24,000 |
| Psychiatry | $5,000 | $10,000 |
| Radiology – Diagnostic | $15,000 | $30,000 |
Have a question? Get fast answers from a U.S.-based MEDPLI agent. Call 1-800-969-1339 or email info@medpli.com.
Alabama Medical Malpractice Payouts From 2015-2023
Types of Professional Liability Insurance for Alabama Physicians
Physicians in Alabama 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.
In 2023, Alabama physicians were held liable for 51 medical malpractice payouts.
- Average Payout: $548,308
- Total Payout: $27,963,750
(Source: National Practitioner Data Bank)
Does Alabama Have Damage Caps for Medical Malpractice Lawsuits?
In 1991, the Alabama Supreme Court declared limitations on pain and suffering damages unconstitutional. 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.
Alabama Statute of Limitations for Medical Malpractice Claims
In accordance with Alabama State Code, 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.
Why Alabama 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, Alabama physicians:
MEDPLI helps doctors in every specialty.
Whether you’re a Hospitalist in Mobile or a Neurosurgeon in Birmingham, MEDPLI will provide you with premier coverage at a competitive rate. Call 800-969-1339 or Request a Quote.
