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What is the Cost of Medical Malpractice Insurance in Maryland?
What is the Cost of Medical Malpractice Insurance in Maryland?
These rate estimates are for informational purposes only and are based on the MD standard limits of $1,000,000 per claim and $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 Cost of Medical Malpractice Insurance
by Specialty in Maryland
(2026 data, $1M/$3M coverage)
| Specialty | 2026 Annual Premium |
2026 Tail Premium |
|---|---|---|
| Anesthesiology | $22,440 | $44,880 |
| Cardiovascular Disease– Minor Surgery | $26,520 | $53,040 |
| Dermatology– No Surgery | $12,240 | $24,480 |
| Emergency Medicine | $42,840 | $85,680 |
| Family Practice– No Surgery | $17,340 | $34,680 |
| Gastroenterology– No Surgery | $22,440 | $44,880 |
| General Practice– No Surgery | $17,340 | $34,680 |
| General Surgery | $65,280 | $130,560 |
| Internal Medicine– No Surgery | $17,340 | $34,680 |
| Neurology– No Surgery | $18,360 | $36,720 |
| Obstetrics and Gynecology– Major Surgery | $122,400 | $244,800 |
| Occupational Medicine | $11,220 | $22,440 |
| Ophthalmology– No Surgery | $12,240 | $24,480 |
| Orthopedic Surgery– No Spine | $56,100 | $112,200 |
| Pathology– No Surgery | $15,300 | $30,600 |
| Pediatrics– No Surgery | $16,320 | $32,640 |
| Pulmonary Disease– No Surgery | $24,480 | $48,960 |
| Psychiatry | $12,240 | $24,480 |
| Radiology – Diagnostic | $24,480 | $48,960 |
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 Maryland From 2015-2024
In 2024, Maryland physicians were held liable for 224 medical malpractice payouts.
- Average Payout: $420,614
- Total Payout: $94,217,750
(Source: National Practitioner Data Bank)
Professional Liability Insurance Options 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 higher premiums at the start of the policy, but the rate remains constant for the entire policy term.
- Physicians do not need tail coverage when an occurrence policy ends.
Maryland Medical Malpractice Cap on Noneconomic Damages
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 caps on economic damages 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 Medical Malpractice Statute of Limitations
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.
- Wrongful death cases must be filed within 3 years of when the person passed away.
Canceled or Non-Renewed? MEDPLI Is Your Best Ally.
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We exclusively broker medical malpractice insurance, focusing daily on making the professional liability process less burdensome and expensive for doctors.
With MEDPLI, Maryland physicians:
Maryland Medical Malpractice Insurance FAQ
Maryland does not require physicians to carry medical malpractice insurance by statute. However, most hospitals, health systems, and group practices require coverage for credentialing and employment. Carrying malpractice insurance is also a critical layer of financial protection for practicing clinicians in the state.
Several factors influence malpractice premiums in Maryland, including medical specialty, prior claims, years in practice, coverage limits, practice location, and whether the policy is claims-made or occurrence-based. Employment setting and patient volume can also impact pricing. MEDPLI reviews your full risk profile to find policies that align with how and where you actually practice.
Claims-made policies provide coverage only if the policy is active when the claim is filed, while occurrence policies cover incidents that happen during the policy period, regardless of when the claim is reported. Claims-made policies are more common in Maryland and may require tail coverage when changing jobs or retiring. We help Maryland physicians understand these differences and avoid coverage gaps when switching or ending policies.
Get Your Quote for Medical Malpractice Insurance in Maryland
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.
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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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