How much does medical malpractice insurance cost in New York in 2026?

Premiums vary by specialty. For example, Dermatology (no surgery) averages $20,400, General Surgery averages $112,200, and OB/GYN with major surgery can reach $173,400 annually. These estimates reflect New York’s standard $1M/$3M limits, and tail premiums are typically about 200% of the annual premium.