Who pays the highest malpractice insurance?

Malpractice premiums typically correspond with the physician’s specialty and its risk profile. Surgical specialties with the highest-risk profiles pay the highest malpractice premiums. These specialties include:

• Neurosurgeons
• OBGYNs
• General surgeons
• Bariatric surgeons
• Plastic surgeons
• Orthopedic surgeons

Because these physicians carry higher base premiums, their tail insurance costs are also significantly higher. Tail coverage often ranges from 200–300% of the annual premium, meaning that high-risk specialties face substantially greater tail expenses when ending or transitioning coverage.

Expert Tip: Choosing the lowest-priced malpractice policy may save money upfront, but it can leave you exposed to significant risks later. There are many variables involved in protecting yourself from future claims including policy type, coverage limits, and reporting.

Working with MEDPLI ensures you understand the fine print, avoid coverage gaps, and select a policy that truly fits your practice, risk profile, and budget.