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[Home](https://medpli.com) - Georgia Medical Malpractice Insurance: 2026 Buyer’s Guide ### Georgia Medical Malpractice Insurance: 2026 Buyer’s Guide [Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)January 30th, 2026 ### Georgia physicians 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. Over [30% of U.S. physicians have faced a malpractice claim](https://www.ama-assn.org/press-center/press-releases/ama-one-three-physicians-previously-sued-their-career) at some point in their careers, underscoring the importance of robust, reliable coverage. 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.CommentSubmit ## We Find Physicians Policies from A-Rated Malpractice Carriers, Averaging 20% in Premium Savings. Georgia 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 4 Malpractice Insurance Companies in Georgia** 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 Georgia physicians. - * The Doctors Company - ** MedPro Group - ** ISMIE Mutual Insurance Company - ** MMIC Group [Get Your Free Quote](#quote)***Your time is better spent with patients, not insurance companies.** MEDPLI advocates for doctors to find the best rates in Georgia and manages the entire process, from quote to coverage. [Get Quote](#quote)*** ## **How Much is Medical Malpractice Insurance in Georgia by Specialty?** ## **How Much is Medical Malpractice Insurance in Georgia by Specialty?** These rate estimates are for informational purposes only and are based on the GA standard limits of $1,000,000 for Each Claim / $3,000,000 Aggregate per year in coverage. 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 Medical Malpractice **** Insurance Rates in Georgia (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/) $20,400 $40,800 [Dermatology– No Surgery](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/) $10,200 $20,400 Emergency Medicine $30,600 $61,200 [Family Practice– No Surgery](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/) $12,240 $24,480 [Gastroenterology– No Surgery](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/) $15,300 $30,600 General Practice– No Surgery $12,240 $24,480 [General Surgery](https://medpli.com/specialties/general-surgeon-medical-malpractice-insurance/) $40,800 $81,600 Internal Medicine– No Surgery $12,240 $24,480 [Neurology– No Surgery](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/) $16,320 $32,640 [Obstetrics and Gynecology– Major Surgery](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) $76,500 $153,000 Occupational Medicine $9,180 $18,360 Ophthalmology– No Surgery $9,180 $18,360 [Orthopedic Surgery– No Spine](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons/) $40,800 $81,600 Pathology– No Surgery $11,220 $22,440 Pediatrics– No Surgery $12,240 $24,480 Pulmonary Disease– No Surgery $16,320 $32,640 [Psychiatry](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) $9,180 $18,360 [Radiology – Diagnostic](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/) $15,300 $30,600 **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 Georgia From 2019-2025** **In 2025, Georgia physicians were held liable for 351 medical malpractice payouts. ** - Average Payout: $729,333 - Total Payout: $255,995,950 (Source: National Practitioner Data Bank) [**See how Georgia compares to other states**](https://medpli.com/medical-malpractice-payouts-by-state/). ## **Professional Liability Insurance Options for Georgia Physicians** Physicians in Georgia 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 must 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’s 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 throughout the policy’s duration. - Physicians do not need tail coverage when an occurrence policy ends. [Get Your Quote](#quote)*** ## **Does Georgia Medical Malpractice Damage Caps?** Georgia has not enforced non-economic damage caps for medical malpractice lawsuits since a 2010 [**Georgia Supreme Court ruling**](https://www.courtlistener.com/opinion/1300373/atlanta-oculoplastic-surgery-v-nestlehutt/) declared them unconstitutional as a violation of the right to trial by jury. For punitive damages in the event of willful misconduct or malice, Georgia enforces a cap of $250,000 and distributes 75% of the award to the state rather than the plaintiff. **** ## **Statute of Limitations for Medical Malpractice in Georgia** According to **[Georgia state code](https://law.justia.com/codes/georgia/2020/title-9/chapter-3/article-4/section-9-3-71/)**, an action for medical malpractice damages shall be filed within the following: - 2 years from the date of injury or wrongful death - 2 years after discovery of an injury, up to a maximum of 5 years - 1 year after the discovery of a foreign object left inside the body Exceptions to the limitations include: - Minors are eligible for an automatic extension until their 7th birthday or until their 10th birthday in cases of delayed discovery - Cases involving a plaintiff with a mental illness or intellectual disability ## **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](https://medpli.com/#quote)** ## **Georgia Doctors & 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, Georgia 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, identifying underwriters whose risk appetite aligns with your needs. ## Georgia Medical Malpractice Insurance FAQ** How much does medical malpractice insurance cost in Georgia?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-12-01T01:10:31-06:00 #### [****How much does medical malpractice insurance cost in Georgia?](#collapse-1-5840) Premiums vary widely by specialty, but most Georgia physicians pay between $9,180 and $76,500 per year for $1M/$3M coverage. Rates depend on your specialty’s risk level, your claims history, and the type of policy you choose. For an exact rate, [**MEDPLI**](https://medpli.com/) provides custom quotes from A-rated carriers. What are the professional liability insurance options for Georgia physicians?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-12-01T01:11:23-06:00 #### [****What are the professional liability insurance options for Georgia physicians?](#collapse-1-5841) Georgia doctors can choose between claims-made and occurrence malpractice insurance. - **Claims-made policies** offer lower initial premiums but require **tail insurance** upon policy expiration to protect against future claims. - **Occurrence policies** provide lifetime coverage for incidents that occur during the policy year, even if the claim is filed later, and **do not require tail coverage**. [**MEDPLI**](https://medpli.com/) helps physicians choose the best option based on specialty, risk, and budget. When should Georgia doctors purchase tail insurance, and what does it cover?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-12-01T01:11:49-06:00 #### [****When should Georgia doctors purchase tail insurance, and what does it cover?](#collapse-1-5842) Georgia physicians should purchase tail insurance when ending or changing a claims-made policy. Tail coverage protects you from malpractice claims filed after your policy expires for incidents that occurred while you were insured. Tail premiums in Georgia are typically 150–250% of your annual premium, depending on specialty and risk factors. ## **Get Your Quote for Medical Malpractice Insurance in Georgia** Whether you’re an Interventional Radiologist in Atlanta or an OB/GYN in Macon, 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).**** ## 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 DegreeMDDOCNMDPMDDSCRNANPPAPTOther**NextPhone *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 #### Share This Story, Choose Your Platform! [*](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fgeorgia-doctors-buying-guide-medical-malpractice-insurance%2F&t=Georgia%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide)[**](https://x.com/intent/post?text=Georgia%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&url=https%3A%2F%2Fmedpli.com%2Fgeorgia-doctors-buying-guide-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmedpli.com%2Fgeorgia-doctors-buying-guide-medical-malpractice-insurance%2F&title=Georgia%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&summary=Georgia%20physicians%20face%20increasing%20liability%20risks%20and%20rising%20insurance%20costs%20in%202026.%20Use%20this%20resource%20to%20compare%20carriers%2C%20understand%20your%20risk%2C%20and%20secure%20the%20right%20protection%20for%20your%20practice.%20%20%0D%0A%0D%0AOver%2030%25%20of%20U.S.%20physicians%20have%20faced%20a%20malpractice%20claim%20at%20some%20point%20in%20their%20careers%2C%20underscoring%20the%20importance%20of)[**](mailto:?subject=Georgia%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&body=https%3A%2F%2Fmedpli.com%2Fgeorgia-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 - Malpractice Insurance [ ](https://medpli.com/why-physician-reimbursement-needs-to-catch-up/) ## [Why Physician Reimbursement Needs to Catch Up With the Cost of Private Practice](https://medpli.com/why-physician-reimbursement-needs-to-catch-up/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|September 29th, 2026|Physician reimbursement is falling behind rising private practice costs. See the data, impact on patient access, and why it matters. Read here. [Read More***](https://medpli.com/why-physician-reimbursement-needs-to-catch-up/) - Carrier Spotlight [ * ](https://medpli.com/doctors-company-new-jersey-rate-decrease/) ## [The Doctors Company Cuts New Jersey Medical Malpractice Rates](https://medpli.com/doctors-company-new-jersey-rate-decrease/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|September 25th, 2026|The Doctors Company is dropping New Jersey physician malpractice rates by an average of 25.1%, effective October 1, 2026. Here's what it means for your premium. [Read More***](https://medpli.com/doctors-company-new-jersey-rate-decrease/) - Carrier Spotlight [ * ](https://medpli.com/the-doctors-company-acquires-proassurance/) ## [The Doctors Company Completes Acquisition of ProAssurance: What It Means for Policyholders](https://medpli.com/the-doctors-company-acquires-proassurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 31st, 2026|The Doctors Company completed its acquisition of ProAssurance. See what it means for current policyholders and the malpractice insurance market going forward. [Read More***](https://medpli.com/the-doctors-company-acquires-proassurance/) - Florida [ * ](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/) ## [Florida OB/GYN Guide to Medical Malpractice Insurance](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 27th, 2026| Malpractice Payouts for Florida OBGYNs Are High Florida OB/GYN [...] [Read More***](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/) [Previous](https://medpli.com/tennessee-doctors-buying-guide-to-medical-malpractice-insurance/)[Next](https://medpli.com/pennsylvania-doctors-buying-guide-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.PhoneSubmit CLOSE [ Go to Top ](#)