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 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 | $18,360 | $36,720 |
| Cardiovascular Disease– Minor Surgery | $20,400 | $40,800 |
| Dermatology– No Surgery | $10,200 | $20,400 |
| Emergency Medicine | $30,600 | $61,200 |
| Family Practice– No Surgery | $12,240 | $24,480 |
| Gastroenterology– No Surgery | $15,300 | $30,600 |
| General Practice– No Surgery | $12,240 |
$24,480 |
| General Surgery | $40,800 | $81,600 |
| Internal Medicine– No Surgery | $12,240 | $24,480 |
| Neurology– No Surgery | $16,320 | $32,640 |
| Obstetrics and Gynecology– Major Surgery | $76,500 | $153,000 |
| Occupational Medicine | $9,180 | $18,360 |
| Ophthalmology– No Surgery | $9,180 | $18,360 |
| Orthopedic Surgery– No Spine | $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 | $9,180 | $18,360 |
| Radiology – Diagnostic | $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 or email info@medpli.com.
Average Medical Malpractice Payouts in Georgia From 2015-2024
In 2024, Georgia physicians were held liable for 345 medical malpractice payouts.
- Average Payout: $680,667
- Total Payout: $234,830,450
(Source: National Practitioner Data Bank)
Professional Liability Insurance Options for Georgia Physicians
Physicians in Georgia can choose between these two primary types of medical malpractice insurance:
- 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 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.
- 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.
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 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, 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.
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:
Georgia Medical Malpractice Insurance FAQ
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 provides custom quotes from A-rated carriers.
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 helps physicians choose the best option based on specialty, risk, and budget.
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 or Request a Quote.
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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. For malpractice insurance questions, you can contact Max here.
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