[Skip to content](#content)

	
		
		
			
							[464 reviews · Rating: 5.0
            
            
            
            
        ★★★★★](https://search.google.com/local/reviews?placeid=ChIJuRnO-eY7d4gRBy0olsLRO8I)[](https://www.linkedin.com/company/medpli-professional-liability-insurance/)[](https://www.facebook.com/Medpli/)[](https://www.instagram.com/medpli/)Call Us Today! [1-800-969-1339](tel:1-800-969-1339) | [info@medpli.com](mailto:info@medpli.com) [464 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/)
- [Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/)
- [Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/)
- [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/)
- [Correctional Medicine](https://medpli.com/specialties/correctional-medicine-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/)
- [Interventional Radiologists](https://medpli.com/specialties/interventional-radiologist-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/)[Alabama](https://medpli.com/alabama-doctors-buying-guide-medical-malpractice-insurance/)
- [Alaska](https://medpli.com/alaska-doctors-buying-guide-medical-malpractice-insurance/)
- [Arizona](https://medpli.com/arizona-doctors-buying-guide-medical-malpractice-insurance/)
- [Arkansas](https://medpli.com/arkansas-doctors-buying-guide-to-medical-malpractice-insurance/)
- [California](https://medpli.com/california-doctors-buying-guide-medical-malpractice-insurance/)
- [Colorado](https://medpli.com/colorado-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Connecticut](https://medpli.com/connecticut-doctors-buying-guide-medical-malpractice-insurance/)
- [Delaware](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/)
- [District of Columbia](https://medpli.com/washington-dc-medical-malpractice-insurance-buying-guide/)
- [Florida](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/)
- [Georgia](https://medpli.com/georgia-doctors-buying-guide-medical-malpractice-insurance/)
- [Hawaii](https://medpli.com/hawaii-medical-malpractice-insurance-buying-guide/)
- [Idaho](https://medpli.com/idaho-medical-malpractice-insurance-buying-guide/)
- [Illinois](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Indiana](https://medpli.com/indiana-medical-malpractice-insurance-buying-guide/)
- [Iowa](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/)
- [Kansas](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/)
- [Kentucky](https://medpli.com/kentucky-doctors-buying-guide-medical-malpractice-insurance/)
- [Louisiana](https://medpli.com/louisiana-medical-malpractice-insurance-buying-guide/)
- [Maine](https://medpli.com/maine-medical-malpractice-insurance-buying-guide/)
- [Maryland](https://medpli.com/maryland-physicians-guide-to-medical-malpractice-insurance/)
- [Massachusetts](https://medpli.com/massachusetts-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Michigan](https://medpli.com/michigan-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Minnesota](https://medpli.com/minnesota-medical-malpractice-insurance-buying-guide/)
- [Mississippi](https://medpli.com/mississippi-medical-malpractice-insurance-buying-guide/)
- [Missouri](https://medpli.com/missouri-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Montana](https://medpli.com/montana-medical-malpractice-insurance-buying-guide/)
- [Nebraska](https://medpli.com/nebraska-medical-malpractice-insurance-buying-guide/)
- [Nevada](https://medpli.com/nevada-medical-malpractice-insurance-buying-guide/)
- [New Hampshire](https://medpli.com/new-hampshire-medical-malpractice-insurance-buying-guide)
- [New Jersey](https://medpli.com/new-jersey-doctors-buying-guide-medical-malpractice-insurance/)
- [New Mexico](https://medpli.com/new-mexico-doctors-buying-guide-to-medical-malpractice-insurance/)
- [New York](https://medpli.com/new-york-physicians-guide-to-medical-malpractice-insurance/)
- [North Carolina](https://medpli.com/north-carolina-doctors-buying-guide-to-medical-malpractice-insurance/)
- [North Dakota](https://medpli.com/#quote)
- [Ohio](https://medpli.com/ohio-buying-guide-medical-malpractice-insurance/)
- [Oklahoma](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/)
- [Oregon](https://medpli.com/oregon-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Pennsylvania](https://medpli.com/pennsylvania-doctors-buying-guide-medical-malpractice-insurance/)
- [Rhode Island](https://medpli.com/#quote)
- [South Carolina](https://medpli.com/south-carolina-doctors-buying-guide-to-medical-malpractice-insurance/)
- [South Dakota](https://medpli.com/#quote)
- [Tennessee](https://medpli.com/tennessee-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Texas](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/)
- [Utah](https://medpli.com/utah-doctors-buying-guide-medical-malpractice-insurance/)
- [Vermont](https://medpli.com/#quote)
- [Virginia](https://medpli.com/virginia-doctors-buying-guide-medical-malpractice-insurance/)
- [Washington](https://medpli.com/washington-doctors-buying-guide-medical-malpractice-insurance/)
- [West Virginia](https://medpli.com/west-virginia-medical-malpractice-insurance-buying-guide/)
- [Wisconsin](https://medpli.com/#quote)
- [Wyoming](https://medpli.com/#quote)
- ABOUT[About MEDPLI](https://medpli.com/about-us/)
- [Staff](https://medpli.com/about-our-staff/)
- NEWS & BLOG[Blog](https://medpli.com/medical-malpractice-insurance-blog/)
- [Press](https://medpli.com/news/)
- [GET QUOTE](https://medpli.com/get-your-medical-malpractice-insurance-quote/)
[](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/)
- [Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/)
- [Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/)
- [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/)
- [Correctional Medicine](https://medpli.com/specialties/correctional-medicine-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/)
- [Interventional Radiologists](https://medpli.com/specialties/interventional-radiologist-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/)[Alabama](https://medpli.com/alabama-doctors-buying-guide-medical-malpractice-insurance/)
- [Alaska](https://medpli.com/alaska-doctors-buying-guide-medical-malpractice-insurance/)
- [Arizona](https://medpli.com/arizona-doctors-buying-guide-medical-malpractice-insurance/)
- [Arkansas](https://medpli.com/arkansas-doctors-buying-guide-to-medical-malpractice-insurance/)
- [California](https://medpli.com/california-doctors-buying-guide-medical-malpractice-insurance/)
- [Colorado](https://medpli.com/colorado-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Connecticut](https://medpli.com/connecticut-doctors-buying-guide-medical-malpractice-insurance/)
- [Delaware](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/)
- [District of Columbia](https://medpli.com/washington-dc-medical-malpractice-insurance-buying-guide/)
- [Florida](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/)
- [Georgia](https://medpli.com/georgia-doctors-buying-guide-medical-malpractice-insurance/)
- [Hawaii](https://medpli.com/hawaii-medical-malpractice-insurance-buying-guide/)
- [Idaho](https://medpli.com/idaho-medical-malpractice-insurance-buying-guide/)
- [Illinois](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Indiana](https://medpli.com/indiana-medical-malpractice-insurance-buying-guide/)
- [Iowa](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/)
- [Kansas](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/)
- [Kentucky](https://medpli.com/kentucky-doctors-buying-guide-medical-malpractice-insurance/)
- [Louisiana](https://medpli.com/louisiana-medical-malpractice-insurance-buying-guide/)
- [Maine](https://medpli.com/maine-medical-malpractice-insurance-buying-guide/)
- [Maryland](https://medpli.com/maryland-physicians-guide-to-medical-malpractice-insurance/)
- [Massachusetts](https://medpli.com/massachusetts-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Michigan](https://medpli.com/michigan-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Minnesota](https://medpli.com/minnesota-medical-malpractice-insurance-buying-guide/)
- [Mississippi](https://medpli.com/mississippi-medical-malpractice-insurance-buying-guide/)
- [Missouri](https://medpli.com/missouri-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Montana](https://medpli.com/montana-medical-malpractice-insurance-buying-guide/)
- [Nebraska](https://medpli.com/nebraska-medical-malpractice-insurance-buying-guide/)
- [Nevada](https://medpli.com/nevada-medical-malpractice-insurance-buying-guide/)
- [New Hampshire](https://medpli.com/new-hampshire-medical-malpractice-insurance-buying-guide)
- [New Jersey](https://medpli.com/new-jersey-doctors-buying-guide-medical-malpractice-insurance/)
- [New Mexico](https://medpli.com/new-mexico-doctors-buying-guide-to-medical-malpractice-insurance/)
- [New York](https://medpli.com/new-york-physicians-guide-to-medical-malpractice-insurance/)
- [North Carolina](https://medpli.com/north-carolina-doctors-buying-guide-to-medical-malpractice-insurance/)
- [North Dakota](https://medpli.com/#quote)
- [Ohio](https://medpli.com/ohio-buying-guide-medical-malpractice-insurance/)
- [Oklahoma](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/)
- [Oregon](https://medpli.com/oregon-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Pennsylvania](https://medpli.com/pennsylvania-doctors-buying-guide-medical-malpractice-insurance/)
- [Rhode Island](https://medpli.com/#quote)
- [South Carolina](https://medpli.com/south-carolina-doctors-buying-guide-to-medical-malpractice-insurance/)
- [South Dakota](https://medpli.com/#quote)
- [Tennessee](https://medpli.com/tennessee-doctors-buying-guide-to-medical-malpractice-insurance/)
- [Texas](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/)
- [Utah](https://medpli.com/utah-doctors-buying-guide-medical-malpractice-insurance/)
- [Vermont](https://medpli.com/#quote)
- [Virginia](https://medpli.com/virginia-doctors-buying-guide-medical-malpractice-insurance/)
- [Washington](https://medpli.com/washington-doctors-buying-guide-medical-malpractice-insurance/)
- [West Virginia](https://medpli.com/west-virginia-medical-malpractice-insurance-buying-guide/)
- [Wisconsin](https://medpli.com/#quote)
- [Wyoming](https://medpli.com/#quote)
- ABOUT[About MEDPLI](https://medpli.com/about-us/)
- [Staff](https://medpli.com/about-our-staff/)
- NEWS & BLOG[Blog](https://medpli.com/medical-malpractice-insurance-blog/)
- [Press](https://medpli.com/news/)
- [GET QUOTE](https://medpli.com/get-your-medical-malpractice-insurance-quote/)
menu- [Services](https://medpli.com/products-services/)
- [Specialties](https://medpli.com/specialties/)
- [State Buying Guides](https://medpli.com/states/)
- [About](https://medpli.com/about-us/)
- News & Blog[Blog](https://medpli.com/medical-malpractice-insurance-blog/)
- [In The News](https://medpli.com/news/)
- [Get Quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/)
[](tel:1-800-969-1339)

[1-800-969-1339](tel:1-800-969-1339)

[﻿](https://medpli.com/get-your-medical-malpractice-insurance-quote/)

[GET A FREE QUOTE](https://medpli.com/#quote)

		
					
							
			- [Home](https://medpli.com)
- Arizona Medical Malpractice Insurance: 2026 Buyer’s Guide

# Arizona Medical Malpractice Insurance: 2026 Buyer’s Guide
[Get a quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/)By [Max Schloemann](https://medpli.com/author/max-schloemann/)Published On: May 1st, 2026

  
- [Home](https://medpli.com)
- Arizona Medical Malpractice Insurance: 2026 Buyer’s Guide

### Arizona Medical Malpractice Insurance: 2026 Buyer’s Guide
[Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)May 1st, 2026

						
				

									

				
					
### Table of Contents

# 
## Top 4 Medical Malpractice Insurance Companies in Arizona**

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 Arizona physicians. 

- *
MedPro Group

- **
The Doctors Company

- **
Admiral Insurance Co

- **
Coverys Group

[Get Your Free Quote](#quote)***Your time is best spent with patients, not insurance companies.**

MEDPLI advocates for doctors to find the best rates in Arizona, managing the entire process from quote to coverage.

[Get Started](#quote)***
## **What is the Cost of Medical Malpractice Insurance in Arizona?**

## **What is the Cost of Medical Malpractice Insurance in Arizona?**
These rate estimates are for informational purposes only and are based on the AZ standard limits of $1,000,000 per claim and $3,000,000 aggregate per year in coverage.

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 Medical Malpractice Insurance Cost****
by Specialty in Arizona

(2026 data, $1M/$3M coverage)

Specialty
2026

Annual Premium
2026

Tail Premium

[Anesthesiology](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/)
$20,400
$40,800

[Cardiovascular Disease– Minor Surgery](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/)
$22,440
$44,880

[Dermatology– No Surgery](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/)
$12,240
$24,480

Emergency Medicine
$28,560
$57,120

[Family Practice– No Surgery](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/)
$14,280
$28,560

[Gastroenterology– No Surgery](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/)
$15,300
$30,600

General Practice– No Surgery
$15,300
$30,600

[General Surgery](https://medpli.com/specialties/general-surgeon-medical-malpractice-insurance/)
$48,960
$97,920

Internal Medicine– No Surgery
$15,300
$30,600

[Neurology– No Surgery](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/)
$17,340
$34,680

[Obstetrics and Gynecology– Major Surgery](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/)
$71,400
$142,800

Occupational Medicine
$10,200
$20,400

Ophthalmology– No Surgery
$9,180
$18,360

[Orthopedic Surgery– No Spine](https://medpli.com/specialties/malpractice-insurance-orthopedic-surgeons/)
$39,780
$79,560

Pathology– No Surgery
$11,220
$22,440

Pediatrics– No Surgery
$14,280
$28,560

Pulmonary Disease– No Surgery
$18,360
$36,720

[Psychiatry](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/)
$9,180
$18,360

[Radiology – Diagnostic](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/)
$20,400
$40,800

**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** **[**info@medpli.com**](mailto:info@medpli.com).

**MEDPLI’s multi-quote approach saves an average of 23% on insurance premiums.**

[GET A QUOTE](#quote)****
## Average Medical Malpractice Payouts in Arizona From 2019-2025

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    
**In 2025, Arizona physicians were held liable for 164 medical malpractice payouts.**

- Average Payout: $398,190

- Total Payout: $65,303,250

(Source: National Practitioner Data Bank)

[**See how Arizona compares to other states**](https://medpli.com/medical-malpractice-payouts-by-state/).

## **Arizona Professional Liability Insurance for Physicians**
Physicians in Arizona 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 Are the Arizona Medical Malpractice Caps on Lawsuits?**
Non-economic or economic damage caps for medical malpractice lawsuits are considered unconstitutional in Arizona per [**Article 2, § 31 of the Arizona Constitution**](https://www.azleg.gov/const/2/31.htm), which prohibits limitations on damages for personal injury or death. 

****
## **What Is the Statute of Limitations for Medical Malpractice in Arizona?**
Under [**Arizona law**](https://www.azleg.gov/ars/12/00542.htm), an action for medical malpractice damages shall be filed within: 

- 2 years from the date of the alleged injury, or

- 2 years from when the alleged injury is discovered.

Exceptions to the limitations include:

- Intentional concealment

- Proof of fraud

- Cases involving a plaintiff with a mental disability

- For minors, the two-year limit begins on their 18th birthday

## **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)We’ve helped over 7,000 doctors eliminate liability risk with comprehensive coverage & affordable rates.

[Get a quick quote here](#quote)**
## **Arizona 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, Arizona 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.

## Arizona Medical Malpractice Insurance FAQ**
Do physicians have to carry malpractice insurance in Arizona?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-12-14T23:18:34-06:00
#### [****Do physicians have to carry malpractice insurance in Arizona?](#collapse-1-5881)
Arizona does not have a law that requires doctors to carry medical malpractice insurance. Even so, most physicians keep coverage in place because hospitals, [**surgery centers**](https://medpli.com/products-services/medical-facility-insurance/), and [**group practices**](https://medpli.com/products-services/group-medical-malpractice-insurance/) generally require it for privileges or employment. Practicing without insurance means taking on the full financial risk of a lawsuit. We help Arizona physicians secure the right coverage so they can focus on practicing medicine with confidence.

What coverage limits do most doctors carry in Arizona?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-12-16T01:25:33-06:00
#### [****What coverage limits do most doctors carry in Arizona?](#collapse-1-5882)
A common choice in Arizona is a policy with limits of $1 million per claim and $3 million total per year. It is a standard level of protection that fits many specialties across the state. [**High-risk specialties**](https://medpli.com/specialties/) may choose higher limits, while lower-risk practices often stay at $1M/$3M.

[**MEDPLI**](https://medpli.com/) compares options from **multiple A-rated carriers** and helps you understand which limits make the most sense for your practice.

Are there caps on medical malpractice damages in Arizona?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-12-18T11:58:46-06:00
#### [****Are there caps on medical malpractice damages in Arizona?](#collapse-1-5883)
No. Arizona does not have caps on medical malpractice damages. The state constitution prohibits limits on what a jury can award in personal injury and wrongful death cases. Since there is no cap, choosing strong coverage and a [**stable medical malpractice carrier**](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/) matters.

## **Get Your Quote for Medical Malpractice Insurance in Arizona**
Whether you’re an orthopedic surgeon in Phoenix or an anesthesiologist in Tucson, MEDPLI will find you premier coverage at a competitive rate.

Call [**800-969-1339**](tel:800-969-1339) or [**Request a Quote**](https://medpli.com/#quote).****

## GET 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 MedicineOtherDegree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOther**NextPhone *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.
			

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.WebsiteSubmit  

#### Share This Story, Choose Your Platform!
[*](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Farizona-doctors-buying-guide-medical-malpractice-insurance%2F&t=Arizona%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide)[**](https://x.com/intent/post?text=Arizona%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&url=https%3A%2F%2Fmedpli.com%2Farizona-doctors-buying-guide-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmedpli.com%2Farizona-doctors-buying-guide-medical-malpractice-insurance%2F&title=Arizona%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&summary=Table%20of%20Contents%20%20%20%20%20%0D%0ATop%204%20Medical%20Malpractice%20Insurance%20Companies%20in%20Arizona%20%0D%0A%0D%0AWe%20recommend%20carriers%20with%20an%20AM%20Best%20%E2%80%9CA%E2%80%9D%20or%20higher%20rating.%20An%20A-rating%20indicates%20financial%20strength%2C%20long-term%20solvency%2C%20and%20an%20established%20history%20of%20protecting%20Arizona%20physicians.%20%20%0D%0A%0D%0AMedPro%20Group%20%0D%0A%0D%0AThe%20Doctors%20Company)[**](mailto:?subject=Arizona%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&body=https%3A%2F%2Fmedpli.com%2Farizona-doctors-buying-guide-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/michigan-doctors-buying-guide-to-medical-malpractice-insurance/)[Next](https://medpli.com/colorado-doctors-buying-guide-to-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.
			

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.NameSubmit  

		

				
							
			CLOSE			
		
	

		
			

		

			
		[
			Go to Top

					](#)