Top 5 Malpractice Insurance Carriers in Maryland
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 Maryland physicians.
2025 Maryland Malpractice Insurance Rates by Specialty
These rate estimates are for informational purposes only and are based on the MD 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.
| Specialty | 2025 Annual Premium |
2025 Tail Premium |
|---|---|---|
| Anesthesiology | $22,000 | $44,000 |
| Cardiovascular Disease– Minor Surgery | $26,000 | $52,000 |
| Dermatology– No Surgery | $12,000 | $24,000 |
| Emergency Medicine | $42,000 | $84,000 |
| Family Practice– No Surgery | $17,000 | $34,000 |
| Gastroenterology– No Surgery | $22,000 | $44,000 |
| General Practice– No Surgery | $17,000 | $34,000 |
| General Surgery | $64,000 | $128,000 |
| Internal Medicine– No Surgery | $17,000 | $34,000 |
| Neurology– No Surgery | $18,000 | $36,000 |
| Obstetrics and Gynecology– Major Surgery | $120,000 | $240,000 |
| Occupational Medicine | $11,000 | $22,000 |
| Ophthalmology– No Surgery | $12,000 | $24,000 |
| Orthopedic Surgery– No Spine | $55,000 | $110,000 |
| Pathology– No Surgery | $15,000 | $30,000 |
| Pediatrics– No Surgery | $16,000 | $32,000 |
| Pulmonary Disease– No Surgery | $24,000 | $48,000 |
| Psychiatry | $12,000 | $24,000 |
| Radiology – Diagnostic | $24,000 | $48,000 |
Have a question? Get fast answers from a U.S.-based MEDPLI agent. Call 1-800-969-1339 or email info@medpli.com.
Maryland Medical Malpractice Payouts From 2015-2023
Types of Professional Liability Insurance for Maryland Physicians
Physicians in Maryland 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 need to 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 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 more costly premiums at the start of the policy, but the rate stays constant for the entire policy length.
- Physicians do not need tail coverage when an occurrence policy ends.
In 2023, Maryland physicians were held liable for 174 medical malpractice payouts.
- Average Payout: $509,375
- Total Payout: $88,631,250
(Source: National Practitioner Data Bank)
Does Maryland Have Damage Caps for Medical Malpractice Lawsuits?
According to Maryland Statute §3–2A–09, the 2024 non-economic damage cap for pain and suffering is $935,000, and the cap amount will increase by $15,000 on January 1 of each year:
| Year | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|
| Non-Economic Damage Cap | $935,000 | $950,000 | $965,000 | $980,000 | $995,000 |
- There are no economic damage caps or punitive damages in Maryland.
- For wrongful death claims with two or more beneficiaries, the non-economic damages may reach, but not exceed, 150% of the general non-economic damage cap.
Maryland Statute of Limitations for Medical Malpractice Claims
According to Maryland Statute §5-109, an action for damages shall be filed within the shorter period of either:
- 5 years of when the injury was committed, or
- 3 years of when the injury was discovered
Exceptions:
- Limitations do not apply when an injury harms the claimant’s reproductive system.
- Limitations do not apply when an injury is caused by leaving a foreign object inside the claimant’s body.
- If an injury occurs when the claimant is a minor, the limitations are extended and do not begin until the day before he/she turns 18.
Why Maryland Doctors 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, Maryland physicians:
MEDPLI helps doctors in every specialty.
Whether you are a Dermatologist in Baltimore or an OB/GYN in Glen Burnie, MEDPLI will find you premier coverage at a competitive rate. Call 800-969-1339 or Request a Quote.
