Florida physicians face increasing liability risks and rising insurance costs in 2027. Use this resource to compare carriers, understand your risk, and secure the right protection for your practice.
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Florida doctors face increasing liability risks and rising insurance costs in 2027. Use this resource to compare carriers, understand your risk, and secure the right protection for your practice.
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How Much is Medical Malpractice Insurance in Florida By Specialty?
How Much is Medical Malpractice Insurance in Florida By Specialty?
These rate estimates are for informational purposes only and are based on the Florida standard limits of $1,000,000 per claim / $3,000,000 aggregate per year.
Quotes require a completed application and underwriter approval. Contact us for a custom estimate if you don’t see your specialty.
Average Annual Premiums for Medical Malpractice Insurance
in Florida by Specialty
(2027 data, $1M/$3M coverage)
| Specialty | 2027 Annual Premium |
2027 Tail Premium |
|---|---|---|
| Anesthesiology | $25,214 | $50,429 |
| Cardiovascular Disease– Minor Surgery | $32,569 | $65,137 |
| Dermatology– No Surgery | $12,607 | $25,214 |
| Emergency Medicine | $40,973 | $81,947 |
| Family Practice– No Surgery | $18,911 | $37,822 |
| Gastroenterology– No Surgery | $24,164 | $48,328 |
| General Practice– No Surgery | $18,911 | $37,822 |
| General Surgery | $67,084 | $136,578 |
| Internal Medicine– No Surgery | $18,911 | $37,822 |
| Neurology– No Surgery | $26,265 | $52,530 |
| Obstetrics and Gynecology– Major Surgery | $87,715 | $176,501 |
| Occupational Medicine | $12,607 | $25,214 |
| Ophthalmology– No Surgery | $12,607 | $25,214 |
| Orthopedic Surgery– No Spine | $51,479 | $102,959 |
| Pathology– No Surgery | $12,607 | $25,214 |
| Pediatrics– No Surgery | $17,860 | $35,720 |
| Pulmonary Disease– No Surgery | $25,214 | $50,429 |
| Psychiatry | $12,607 | $25,214 |
| Radiology – Diagnostic | $29,417 | $58,834 |
*Note: These rates are approximate, and each individual has unique factors that can affect their premium.
Average Medical Malpractice Payouts in Florida from 2019-2026
In 2026, Florida physicians were held liable for 1,248 medical malpractice payouts.
- Average Payout: $368,186
- Total Payout: $459,496,300
(Source: National Practitioner Data Bank)
Are There Medical Malpractice Caps on Damages in Florida?
There are no economic or non-economic caps on damages. In 2017, the Florida Supreme Court ruled damage caps unconstitutional, finding that limiting plaintiff payouts violated equal protection rights.
Punitive damages are capped based on the provider’s conduct:
- Standard cap: The greater of $500,000 or 3x the total compensatory damages.
- Motivated solely by unreasonable financial gain: The greater of $2 million or 4x the total compensatory damages, when a managing agent or policymaker knew of the dangerous conduct.
- Specific intent to harm: No cap.
Statute of Limitations for Medical Malpractice in Florida
Under Section 95.11 of the Florida Statutes, a medical malpractice lawsuit must be filed:
- Within 2 years of the incident, or within 2 years of when it was discovered or should have been discovered.
- No more than 4 years after the incident, regardless of when it was discovered.
- No more than 7 years after the incident if fraud, concealment, or intentional misrepresentation kept the injury from being discovered.
Exception for minors: The 4-year and 7-year limits do not bar a claim brought on behalf of a child on or before the child’s 8th birthday.
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Medical Malpractice Insurance in Florida FAQ
Tail coverage is not automatically included in most Florida malpractice insurance policies. It’s required when you have a claims-made policy and you leave your practice, switch insurers, or retire, to protect against claims filed later.
Tail coverage typically costs 150%–250% of your annual premium as a one-time payment.
MEDPLI helps doctors compare tail options and find the most cost-effective way to stay protected after policy termination.
Florida law does not require all physicians to carry malpractice insurance, but it does require proof of financial responsibility in the event of a claim.
Physicians can meet this requirement by:
- Purchasing malpractice insurance with minimum limits of $100,000 per claim / $300,000 aggregate, or
-
Posting a surety bond or escrow account for the same amount.
Most hospitals, surgery centers, and medical groups still require active malpractice coverage, which is where MEDPLI helps physicians find affordable, compliant policies.
In 2027, Florida medical malpractice insurance premiums typically range from $12,000 to $85,000 per year, depending on your specialty, claims history, and coverage limits.
For example, family practitioners with no surgery may pay around $18,000 annually, while OB/GYNs with major surgery can exceed $85,000.
To get an accurate quote based on your risk profile, request a free MEDPLI quote today.
Get Your Quote for Medical Malpractice Insurance in Florida From MEDPLI
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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 for malpractice insurance questions.
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