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[1-800-969-1339](tel:1-800-969-1339) | [info@medpli.com](mailto:info@medpli.com) [453 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/) - 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MEDPLI stands as an advocate for doctors, never settling for less than the medical malpractice trifecta: #### Premier Coverage #### A-Rated Provider #### Competitive Rate ## Get a Free 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.EmailSubmit ## We Find Physicians Policies from A-Rated Malpractice Carriers, Averaging 20% in Premium Savings California doctors face increasing liability risks and rising insurance costs in 2026. Use this resource to compare carriers, understand your risk, and secure the right protection for your practice. ### Table of Contents ## Top 5 Medical Malpractice Insurance Companies in California** 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 California physicians. - * The Doctors Company - ** MedPro Group - ** Lone Star Alliance RRG - ** Admiral Insurance Co - ** Coverys [Get Your Free Quote](#quote)***Your time is better spent with patients, not insurance companies.** MEDPLI helps doctors and surgeons secure the best rates in California, handling everything from quotes to coverage. [Get Started](#quote)*** ## **What is the Cost of Medical Liability and Malpractice Insurance in California?** ## **What is the Cost of Medical Liability and Malpractice Insurance in California?** These rate estimates are for informational purposes only and are based on the California standard limits of $1,000,000 per claim and $3,000,000 aggregate per year. 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 Cost of Medical Malpractice Insurance**** by Specialty in California (2026 data, $1M/$3M coverage) Specialty 2026 Annual Premium 2026 Tail Premium [Anesthesiology](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/) $18,360 $36,720 [Cardiovascular Disease– Minor Surgery](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) $23,460 $46,920 [Dermatology– No Surgery](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/) $9,180 $18,360 Emergency Medicine $35,700 $71,400 [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/) $17,340 $34,680 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/) $15,300 $30,600 [Obstetrics and Gynecology– Major Surgery](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) $48,960 $136,680 Occupational Medicine $7,140 $14,280 Ophthalmology– No Surgery $7,140 $14,280 [Orthopedic Surgery– No Spine](https://medpli.com/specialties/malpractice-insurance-orthopedic-surgeons/) $42,840 $85,680 Pathology– No Surgery $9,180 $18,360 Pediatrics– No Surgery $14,280 $28,560 Pulmonary Disease– No Surgery $17,340 $34,680 [Psychiatry](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) $7,140 $14,280 [Radiology – Diagnostic](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/) $18,360 $36,720 **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 California From 2019-2025** **In 2025, California physicians were held liable for ****1,074**** medical malpractice payouts.** - Average Payout: $317,813 - Total Payout: $341,331,800 (Source: National Practitioner Data Bank) [**See how California compares to other states**](https://medpli.com/medical-malpractice-payouts-by-state/). ## **Types of Professional Liability Insurance for California Physicians** Physicians in California 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)* ## **Rising Home Insurance Rates: The Hidden Impact on Medical Malpractice Costs** When wildfires, hurricanes, and other severe weather events hit, the damage isn’t just physical—it drives up insurance costs nationwide. As extreme weather events become more frequent, insurers across the country must raise rates to cover growing risks. But the impact goes beyond [**homeowners insurance**](https://www.insurancebusinessmag.com/us/news/breaking-news/usaa-hikes-california-home-insurance-rates-515280.aspx)—businesses, especially medical professionals, also feel the squeeze. ### **Why Are Insurance Rates Rising?** - ** **Reinsurance Costs Are Increasing **[**Insurers rely on reinsurance**](https://content.naic.org/insurance-topics/reinsurance#:~:text=Reinsurance-,Background,-Actions) (insurance for insurers) to spread risk. If reinsurers face significant losses due to natural disasters, they may increase premiums across all insurance lines. This is particularly true for the medical malpractice industry, which saw a [**six-year premium price hike in many states and specialties from 2019-2024.**](https://www.ama-assn.org/system/files/prp-mlm-premiums-2025.pdf) - ** **Bigger Disasters, Bigger Costs**** [More frequent and severe storms**](https://www.climate.gov/news-features/blogs/beyond-data/2024-active-year-us-billion-dollar-weather-and-climate-disasters) put financial strain on the entire insurance system, making coverage more expensive across all sectors. - ** **Fewer Insurers, Less Competition**** In many states, insurance providers are withdrawing from high-risk markets as risks grow, reducing competition and leaving fewer options. In California, homeowners insurance providers are [pulling out due to wildfire risks**.](https://www.fox26houston.com/news/california-insurance-crisis-list-carriers-have-fled-reduced-coverage-state) With less competition, the remaining insurers raise premiums to balance their exposure. ### **What Affects Medical Malpractice Insurance Costs in California?** Nationwide, reinsurance providers now charge higher premiums and impose stricter payout conditions. In response, [**primary insurers**](https://riskandinsurance.com/natural-disaster-risks-reshape-insurance-landscape-sustainability/#:~:text=Financial%20Impacts%20on%20Insurers%20and%20Reinsurers), including those offering medical malpractice coverage, are increasing premiums. ### **Why California Remains an Outlier in Malpractice Insurance Trends** California has been insulated from this trend. The [**state’s noneconomic damage caps**](https://www.ama-assn.org/practice-management/sustainability/california-s-micra-law-modernized-after-nearly-50-years) have helped keep medical malpractice premiums relatively stable, and organizations like [**Consumer Watchdog**](https://consumerwatchdog.org/in-the-courtroom/doctors-save-2-8-million-after-challenge-to-malpractice-insurance-rate-hike/#:~:text=Los%20Angeles%2C%20CA%20%E2%80%93%20In%20response,Sternberg) have challenged proposed premium increases, putting additional pressure on insurers to justify rate hikes. ### **Could This Trend Change in California’s Medical Malpractice Market?** California is not immune to the impacts of major weather events. As more insurers pull out of high-risk areas due to wildfire exposure, homeowners insurance premiums continue to climb. This instability can eventually ripple into other insurance lines, including medical malpractice. Severe weather is reshaping insurance costs for everyone. California physicians may feel more pronounced impacts in the near future as market conditions continue to shift. **** ## **How California’s Medical Malpractice Rules Support Physicians** Despite the uncertainty of future medical malpractice premiums, California remains a physician-friendly state due to its strong legal protections, competitive pay, and **[work-life balance.](https://physiciansthrive.com/state-guide/california/#top_reasons_to_practice_medicine_in_california:~:text=For%20example%2C%20the%20California%20Medical%20Association%20(CMA)%20has%20reduced%20the%20number%20of%20hours%20physicians%20are%20required%20to%20work.) ** ### **Advantages for Physicians in California** - Steady Malpractice Premiums - **[High Average Salaries](https://physiciansthrive.com/state-guide/california/#average_salary_for_physicians_in_california:~:text=The%20average%20salary%20for%20physicians%20in%20California%20is%20%24212461%20per%20year.%20This%20is%20higher%20than%20the%20national%20average%20of%20%24208%2C000.%20Salaries%20for%20physicians%20vary%20based%20on%20location%2C%20experience%2C%20and%20specialty.%20California%20has%20the%20highest%20salaries%20in%20the%20Bay%20Area%20and%20Los%20Angeles.)** - Strict damage caps & statutes of limitations - **[Low rate of serious disciplinary actions](https://www.citizen.org/article/report-ranking-of-the-rate-of-state-medical-boards-serious-disciplinary-actions-2019-2021/#:~:text=California%2C%20the%20state,that%20of%20Michigan.)** California’s legal landscape balances patient rights with a physician-friendly malpractice environment, making it an attractive state for both new and established doctors. **** ## **What Is the California Cap on Medical Malpractice Lawsuits?** While California does not limit economic damages, non-economic damages are capped according to claim type. As of January 2024, non-economic damages shall not exceed: - $390,000 | Non-Fatal Claims - $550,000 | Fatal Claims Each year, these limits will [**increase by $40,000 and $50,000**](https://www.gov.ca.gov/2022/05/23/governor-newsom-signs-legislation-to-modernize-californias-medical-malpractice-system/), respectively, until they reach $750,000 and $1,000,000. **** ## **What Is the California Statute of Limitations for Medical Malpractice?** According to [**California CCP Section 340.5**](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=340.5&lawCode=CCP), the statute of limitations for medical malpractice claims is the earlier of: - 3 years from the date of the alleged injury, or - 1 year from when the alleged injury is discovered. Exceptions to the limitations include: - Intentional concealment. - Proof of fraud. - The presence of a foreign object in the body of the plaintiff. - Minors under age six can submit actions within three years of injury or until their eighth birthday, whichever is longer. ## **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)** ## **California 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, California 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. ## California Medical Malpractice Insurance FAQ** Does California require medical malpractice insurance?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-11-13T23:37:21-06:00 #### [****Does California require medical malpractice insurance?](#collapse-1-5793) California doesn’t have a universal law requiring all physicians to carry medical malpractice insurance. However, most hospitals, medical groups, and surgery centers require proof of coverage, making malpractice insurance essential protection, even when the state doesn’t mandate it. What are California’s medical malpractice insurance requirements?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-11-20T09:08:10-06:00 #### [****What are California’s medical malpractice insurance requirements?](#collapse-1-5794) While California doesn’t set a single statewide minimum for malpractice coverage, there are common standards. Most employers and facilities expect physicians to carry $1,000,000/$3,000,000 limits, [**secure tail coverage**](https://medpli.com/products-services/tail-malpractice-insurance/) for [**claims-made policies**](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/) (often around 200% of the annual premium), and choose A-rated carriers for financial strength. [**MEDPLI**](https://medpli.com/) helps California physicians meet these expectations with appropriate limits, policy types, and carriers for their specialty and career stage. What are the best medical malpractice insurance carriers in California?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-11-20T09:08:04-06:00 #### [****What are the best medical malpractice insurance carriers in California?](#collapse-1-5795) MEDPLI’s list of top medical malpractice insurance companies in California is: - The Doctors Company - MedPro Group - Lone Star Alliance RRG - Admiral Insurance Co - Coverys These carriers hold an AM Best rating of “A” or higher, indicating strong financial stability and a proven history of protecting California physicians. We work with these and other top-rated insurers to compare quotes side by side and help you secure premier coverage at a competitive rate. ## **Get Your Quote for Medical Malpractice Insurance in California** We are California’s dedicated medical malpractice insurance brokers. Whether you’re a Radiologist in San Diego or an OB/GYN in Sacramento, 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).**** ## Customer Reviews ** EXCELLENT ** Based on **453 reviews** Posted on Google Angela Burnett Trustindex verifies that the original source of the review is Google. We have used them the past 3 years for malpractice and liability insurance and the customer service has been outstanding! They are very thorough and I would highly recommend them! Posted on Google Arthur Evensen Trustindex verifies that the original source of the review is Google. I had an outstanding experience with Medpli. They helped me secure high-quality tail malpractice coverage quickly, professionally, and at a very competitive price. The entire process was smooth from start to finish, and they took the time to explain my options, answer my questions, and make sure I had the coverage that best fit my needs. As a physician, having confidence in your malpractice coverage is incredibly important, and Medpli made what could have been a stressful process remarkably easy. Their responsiveness, expertise, and commitment to finding a cost-effective solution truly set them apart. I highly recommend Medpli to any physician looking for malpractice insurance or tail coverage. Their customer service was exceptional, and I wouldn’t hesitate to work with them again in the future.** Owner's reply Thank you 🙏 for the great review of your MEDPLI experience. We make malpractice tail coverage easier! Posted on Google Kevin Finn Trustindex verifies that the original source of the review is Google. Very responsive; definitely worth getting a quote with MEDPLI. Owner's reply Thank you for the 5 Star review, Kevin! We aim to make medical malpractice insurance easier for mental health clinicians and medical groups! Posted on Google Ed Mostone Trustindex verifies that the original source of the review is Google. It was great working with Max. Owner's reply Thank you Dr. Mostone! The entire MEDPLI team shares in the joy of helping make malpractice insurance easier for podiatrists and all medical providers. Best wishes in your practice! Posted on Google Tony Tran Trustindex verifies that the original source of the review is Google. I had an outstanding experience working with Max and the MEDPLI team. As a physician opening a new practice, choosing malpractice coverage was one of the most important decisions I had to make. Max was incredibly knowledgeable, patient, and responsive throughout the entire process. He took the time to thoroughly explain the differences between multiple carriers and policy options, answered all of my questions, and never made me feel pressured into a decision. His guidance allowed me to make an informed choice that best fit both my practice and my long-term goals. I truly appreciate his professionalism, expertise, and commitment to helping physicians navigate what can otherwise be a complicated process. I highly recommend Max and MEDPLI to any physician looking for trustworthy malpractice insurance guidance. Owner's reply Dr. Tran, thank you for the high-quality review of your MEDPLI malpractice insurance experience! It is our pleasure to help doctors like you. Best wishes in your Direct Primary Care practice! Posted on Google DFJr Trustindex verifies that the original source of the review is Google. Max and the team at Medpli helped find me a competitively priced policy and made it easy for me. Definitely recommend Owner's reply That you for the nice review, Doc! Best wishes in your performance medical practice! 💪❤️ Posted on Google Henrick Turckes Trustindex verifies that the original source of the review is Google. Max was very responsive, informative, and helped through medical malpractice insurance as first timers! Owner's reply Thanks for the review! We make a difficult process - securing the best fitting malpractice coverage- a bit easier and less time consuming. ## Get A 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 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 #### Share This Story, Choose Your Platform! [*](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fcalifornia-doctors-buying-guide-medical-malpractice-insurance%2F&t=California%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide)[**](https://x.com/intent/post?text=California%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&url=https%3A%2F%2Fmedpli.com%2Fcalifornia-doctors-buying-guide-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmedpli.com%2Fcalifornia-doctors-buying-guide-medical-malpractice-insurance%2F&title=California%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&summary=Over%2030%25%20of%20U.S.%20physicians%20have%20faced%20a%20malpractice%20claim%20at%20some%20point%20in%20their%20careers%2C%20underscoring%20the%20importance%20of%20robust%2C%20reliable%20coverage.%20MEDPLI%20stands%20as%20an%20advocate%20for%20doctors%2C%20never%20settling%20for%20less%20than%20the%20medical%20malpractice%20trifecta%3A%20Premier%20Coverage%20%20A-Rated%20Provider%20%20Competitive%20Rate%20%20%20%20Get%20a%20Free%20Quote)[**](mailto:?subject=California%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&body=https%3A%2F%2Fmedpli.com%2Fcalifornia-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 - General Surgeon [ ](https://medpli.com/the-transcend-medical-story/) ## [Due Diligence, Patient Safety, and the Personal Touch: The Transcend Medical Story](https://medpli.com/the-transcend-medical-story/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 12th, 2026|Read how board-certified family physician Dr. Tony Tran built Transcend Medical, a direct primary care practice, and worked with MEDPLI to find medical liability coverage tailored to his practice. [Read More***](https://medpli.com/the-transcend-medical-story/) - Latest [ * ](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/) ## [Kansas Medical Malpractice Insurance: 2026 Buyer’s Guide](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|July 31st, 2026|See 2026 Kansas medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today. [Read More***](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/) - Latest [ * ](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/) ## [Iowa Medical Malpractice Insurance: 2026 Buyer’s Guide](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|July 30th, 2026|See 2026 Iowa medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today. [Read More***](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/) - Latest [ * ](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/) ## [Delaware Medical Malpractice Insurance: 2026 Buyer’s Guide](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|July 27th, 2026|See 2026 Delaware medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today. [Read More***](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/) [Previous](https://medpli.com/colorado-doctors-buying-guide-to-medical-malpractice-insurance/)[Next](https://medpli.com/arkansas-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.MessageSubmit CLOSE [ Go to Top ](#)