Why do malpractice insurance rates vary so much by specialty?

Risk exposure plays a major role. Specialties that involve surgery, emergency care, or higher complication risk tend to see more claims and larger payouts, which increases premiums. Claims history, location, and even how long you’ve been practicing can also influence pricing.

Many physicians are surprised to learn that different carriers may price the same doctor very differently. That’s one reason MEDPLI compares multiple insurers instead of relying on a single quote.