[Skip to content](#content) [466 reviews · Rating: 5.0 ★★★★★](https://search.google.com/local/reviews?placeid=ChIJuRnO-eY7d4gRBy0olsLRO8I)[](https://www.linkedin.com/company/medpli-professional-liability-insurance/)[](https://www.facebook.com/Medpli/)[](https://www.instagram.com/medpli/)Call Us Today! [1-800-969-1339](tel:1-800-969-1339) | [info@medpli.com](mailto:info@medpli.com) [466 reviews · Rating: 5.0 ★★★★★](https://search.google.com/local/reviews?placeid=ChIJuRnO-eY7d4gRBy0olsLRO8I) [**The 2027 Tail Insurance Outlook:** What Every Physician Should Know Now](https://medpli.com/the-2027-tail-insurance-outlook-what-every-physician-should-know-now/) [*](https://medpli.com/)[](https://medpli.com/)**Toggle Navigation- [SERVICES](https://medpli.com/products-services/)[Telemedicine Malpractice Insurance](https://medpli.com/products-services/telemedicine-malpractice-insurance/) - [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/) - [Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/) - [Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/) - [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/) - [Correctional Medicine](https://medpli.com/specialties/correctional-medicine-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/) - [Interventional Radiologists](https://medpli.com/specialties/interventional-radiologist-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/)[Alabama](https://medpli.com/alabama-doctors-buying-guide-medical-malpractice-insurance/) - [Alaska](https://medpli.com/alaska-doctors-buying-guide-medical-malpractice-insurance/) - [Arizona](https://medpli.com/arizona-doctors-buying-guide-medical-malpractice-insurance/) - [Arkansas](https://medpli.com/arkansas-doctors-buying-guide-to-medical-malpractice-insurance/) - [California](https://medpli.com/california-doctors-buying-guide-medical-malpractice-insurance/) - [Colorado](https://medpli.com/colorado-doctors-buying-guide-to-medical-malpractice-insurance/) - [Connecticut](https://medpli.com/connecticut-doctors-buying-guide-medical-malpractice-insurance/) - [Delaware](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/) - [District of Columbia](https://medpli.com/washington-dc-medical-malpractice-insurance-buying-guide/) - [Florida](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) - [Georgia](https://medpli.com/georgia-doctors-buying-guide-medical-malpractice-insurance/) - [Hawaii](https://medpli.com/hawaii-medical-malpractice-insurance-buying-guide/) - [Idaho](https://medpli.com/idaho-medical-malpractice-insurance-buying-guide/) - [Illinois](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) - [Indiana](https://medpli.com/indiana-medical-malpractice-insurance-buying-guide/) - [Iowa](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/) - [Kansas](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/) - [Kentucky](https://medpli.com/kentucky-doctors-buying-guide-medical-malpractice-insurance/) - [Louisiana](https://medpli.com/louisiana-medical-malpractice-insurance-buying-guide/) - [Maine](https://medpli.com/maine-medical-malpractice-insurance-buying-guide/) - [Maryland](https://medpli.com/maryland-physicians-guide-to-medical-malpractice-insurance/) - [Massachusetts](https://medpli.com/massachusetts-doctors-buying-guide-to-medical-malpractice-insurance/) - [Michigan](https://medpli.com/michigan-doctors-buying-guide-to-medical-malpractice-insurance/) - [Minnesota](https://medpli.com/minnesota-medical-malpractice-insurance-buying-guide/) - [Mississippi](https://medpli.com/mississippi-medical-malpractice-insurance-buying-guide/) - [Missouri](https://medpli.com/missouri-doctors-buying-guide-to-medical-malpractice-insurance/) - [Montana](https://medpli.com/montana-medical-malpractice-insurance-buying-guide/) - [Nebraska](https://medpli.com/nebraska-medical-malpractice-insurance-buying-guide/) - [Nevada](https://medpli.com/nevada-medical-malpractice-insurance-buying-guide/) - [New Hampshire](https://medpli.com/new-hampshire-medical-malpractice-insurance-buying-guide) - [New Jersey](https://medpli.com/new-jersey-doctors-buying-guide-medical-malpractice-insurance/) - [New Mexico](https://medpli.com/new-mexico-doctors-buying-guide-to-medical-malpractice-insurance/) - [New York](https://medpli.com/new-york-physicians-guide-to-medical-malpractice-insurance/) - [North Carolina](https://medpli.com/north-carolina-doctors-buying-guide-to-medical-malpractice-insurance/) - [North Dakota](https://medpli.com/#quote) - [Ohio](https://medpli.com/ohio-buying-guide-medical-malpractice-insurance/) - [Oklahoma](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/) - [Oregon](https://medpli.com/oregon-doctors-buying-guide-to-medical-malpractice-insurance/) - [Pennsylvania](https://medpli.com/pennsylvania-doctors-buying-guide-medical-malpractice-insurance/) - [Rhode Island](https://medpli.com/#quote) - [South Carolina](https://medpli.com/south-carolina-doctors-buying-guide-to-medical-malpractice-insurance/) - [South Dakota](https://medpli.com/#quote) - [Tennessee](https://medpli.com/tennessee-doctors-buying-guide-to-medical-malpractice-insurance/) - [Texas](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) - [Utah](https://medpli.com/utah-doctors-buying-guide-medical-malpractice-insurance/) - [Vermont](https://medpli.com/#quote) - [Virginia](https://medpli.com/virginia-doctors-buying-guide-medical-malpractice-insurance/) - [Washington](https://medpli.com/washington-doctors-buying-guide-medical-malpractice-insurance/) - [West Virginia](https://medpli.com/west-virginia-medical-malpractice-insurance-buying-guide/) - [Wisconsin](https://medpli.com/#quote) - [Wyoming](https://medpli.com/#quote) - ABOUT[About MEDPLI](https://medpli.com/about-us/) - [Staff](https://medpli.com/about-our-staff/) - NEWS & BLOG[Blog](https://medpli.com/medical-malpractice-insurance-blog/) - [Press](https://medpli.com/news/) - [GET QUOTE](https://medpli.com/get-your-medical-malpractice-insurance-quote/) [](https://medpli.com/)[](https://medpli.com/)Toggle Navigation- [SERVICES](https://medpli.com/products-services/)[Telemedicine Malpractice Insurance](https://medpli.com/products-services/telemedicine-malpractice-insurance/) - [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/) - [Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/) - [Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/) - [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/) - [Correctional Medicine](https://medpli.com/specialties/correctional-medicine-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/) - [Interventional Radiologists](https://medpli.com/specialties/interventional-radiologist-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/)[Alabama](https://medpli.com/alabama-doctors-buying-guide-medical-malpractice-insurance/) - [Alaska](https://medpli.com/alaska-doctors-buying-guide-medical-malpractice-insurance/) - [Arizona](https://medpli.com/arizona-doctors-buying-guide-medical-malpractice-insurance/) - [Arkansas](https://medpli.com/arkansas-doctors-buying-guide-to-medical-malpractice-insurance/) - [California](https://medpli.com/california-doctors-buying-guide-medical-malpractice-insurance/) - [Colorado](https://medpli.com/colorado-doctors-buying-guide-to-medical-malpractice-insurance/) - [Connecticut](https://medpli.com/connecticut-doctors-buying-guide-medical-malpractice-insurance/) - [Delaware](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/) - [District of Columbia](https://medpli.com/washington-dc-medical-malpractice-insurance-buying-guide/) - [Florida](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) - [Georgia](https://medpli.com/georgia-doctors-buying-guide-medical-malpractice-insurance/) - [Hawaii](https://medpli.com/hawaii-medical-malpractice-insurance-buying-guide/) - [Idaho](https://medpli.com/idaho-medical-malpractice-insurance-buying-guide/) - [Illinois](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) - [Indiana](https://medpli.com/indiana-medical-malpractice-insurance-buying-guide/) - [Iowa](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/) - [Kansas](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/) - [Kentucky](https://medpli.com/kentucky-doctors-buying-guide-medical-malpractice-insurance/) - [Louisiana](https://medpli.com/louisiana-medical-malpractice-insurance-buying-guide/) - [Maine](https://medpli.com/maine-medical-malpractice-insurance-buying-guide/) - [Maryland](https://medpli.com/maryland-physicians-guide-to-medical-malpractice-insurance/) - [Massachusetts](https://medpli.com/massachusetts-doctors-buying-guide-to-medical-malpractice-insurance/) - [Michigan](https://medpli.com/michigan-doctors-buying-guide-to-medical-malpractice-insurance/) - [Minnesota](https://medpli.com/minnesota-medical-malpractice-insurance-buying-guide/) - [Mississippi](https://medpli.com/mississippi-medical-malpractice-insurance-buying-guide/) - [Missouri](https://medpli.com/missouri-doctors-buying-guide-to-medical-malpractice-insurance/) - [Montana](https://medpli.com/montana-medical-malpractice-insurance-buying-guide/) - [Nebraska](https://medpli.com/nebraska-medical-malpractice-insurance-buying-guide/) - [Nevada](https://medpli.com/nevada-medical-malpractice-insurance-buying-guide/) - [New Hampshire](https://medpli.com/new-hampshire-medical-malpractice-insurance-buying-guide) - [New Jersey](https://medpli.com/new-jersey-doctors-buying-guide-medical-malpractice-insurance/) - [New Mexico](https://medpli.com/new-mexico-doctors-buying-guide-to-medical-malpractice-insurance/) - [New York](https://medpli.com/new-york-physicians-guide-to-medical-malpractice-insurance/) - [North Carolina](https://medpli.com/north-carolina-doctors-buying-guide-to-medical-malpractice-insurance/) - [North Dakota](https://medpli.com/#quote) - [Ohio](https://medpli.com/ohio-buying-guide-medical-malpractice-insurance/) - [Oklahoma](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/) - [Oregon](https://medpli.com/oregon-doctors-buying-guide-to-medical-malpractice-insurance/) - [Pennsylvania](https://medpli.com/pennsylvania-doctors-buying-guide-medical-malpractice-insurance/) - [Rhode Island](https://medpli.com/#quote) - [South Carolina](https://medpli.com/south-carolina-doctors-buying-guide-to-medical-malpractice-insurance/) - [South Dakota](https://medpli.com/#quote) - [Tennessee](https://medpli.com/tennessee-doctors-buying-guide-to-medical-malpractice-insurance/) - [Texas](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) - [Utah](https://medpli.com/utah-doctors-buying-guide-medical-malpractice-insurance/) - [Vermont](https://medpli.com/#quote) - [Virginia](https://medpli.com/virginia-doctors-buying-guide-medical-malpractice-insurance/) - [Washington](https://medpli.com/washington-doctors-buying-guide-medical-malpractice-insurance/) - [West Virginia](https://medpli.com/west-virginia-medical-malpractice-insurance-buying-guide/) - [Wisconsin](https://medpli.com/#quote) - [Wyoming](https://medpli.com/#quote) - ABOUT[About MEDPLI](https://medpli.com/about-us/) - [Staff](https://medpli.com/about-our-staff/) - NEWS & BLOG[Blog](https://medpli.com/medical-malpractice-insurance-blog/) - [Press](https://medpli.com/news/) - [GET QUOTE](https://medpli.com/get-your-medical-malpractice-insurance-quote/) menu- [Services](https://medpli.com/products-services/) - [Specialties](https://medpli.com/specialties/) - [State Buying Guides](https://medpli.com/states/) - [About](https://medpli.com/about-us/) - News & Blog[Blog](https://medpli.com/medical-malpractice-insurance-blog/) - [In The News](https://medpli.com/news/) - [Get Quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/) [](tel:1-800-969-1339) [1-800-969-1339](tel:1-800-969-1339) [](https://medpli.com/get-your-medical-malpractice-insurance-quote/) [GET A FREE QUOTE](https://medpli.com/#quote) - [Home](https://medpli.com) - 2025 Mississippi Medical Malpractice Insurance Buying Guide # 2025 Mississippi Medical Malpractice Insurance Buying Guide [Get a quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/)By [Max Schloemann](https://medpli.com/author/max-schloemann/)Published On: July 15th, 2025 - [Home](https://medpli.com) - 2025 Mississippi Medical Malpractice Insurance Buying Guide ### 2025 Mississippi Medical Malpractice Insurance Buying Guide [Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)July 15th, 2025 ## Top 6 Medical Malpractice Insurance Carriers in Mississippi 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 Mississippi physicians. - MagMutual - Medical Protective - ProAssurance - The Doctors Co - Medical Assurance Co of Mississippi - Coverys Your time is better spent with patients, not insurance companies. MEDPLI helps Mississippi doctors secure the best malpractice rates, from quote to coverage. [Get Quote](https://medpli.com/#quote)*** ## 2025 Mississippi Malpractice Insurance Rates by Specialty These rate estimates are for informational purposes only and are based on the MS standard limits of $1,000,000 per claim / $3,000,000 aggregate per year in coverage. Quotes require a completed application and approval from the underwriter. [Contact us**](https://medpli.com/contact-us/) for a custom estimate if you don’t see your specialty.   **Specialty** **2025**** Annual Premium 2025 Tail Premium Anesthesiology $35,000 $70,000 Cardiovascular Disease– Minor Surgery $35,000 $70,000 Dermatology– No Surgery $12,000 $24,000 Emergency Medicine $60,000 $120,000 Family Practice– No Surgery $21,000 $42,000 Gastroenterology– No Surgery $28,000 $56,000 General Practice– No Surgery $21,000 $42,000 General Surgery $95,000 $190,000 Internal Medicine– No Surgery $22,000 $44,000 Neurology– No Surgery $29,000 $58,000 Obstetrics and Gynecology– Major Surgery $130,000 $260,000 Occupational Medicine $17,000 $34,000 Ophthalmology– No Surgery $18,000 $36,000 Orthopedic Surgery– No Spine $88,000 $176,000 Pathology– No Surgery $18,000 $36,000 Pediatrics– No Surgery $20,000 $40,000 Pulmonary Disease– No Surgery $31,000 $62,000 Psychiatry $14,000 $28,000 Radiology – Diagnostic $35,000 $70,000 Need answers? Our U.S.-based MEDPLI agents are ready to help. [Call**](tel:800-969-1339) or [**email**](mailto:info@medpli.com) us today. **** ## Mississippi Medical Malpractice Payouts From 2015-2024 ** ## The Hidden Link Between Weather Disasters and Rising Malpractice Insurance Rates When hurricanes, tornadoes, and other severe weather events hit Mississippi, the damage isn’t just physical; it drives up insurance costs statewide. As extreme weather events become more frequent, insurers are raising rates to cover the growing risks. But the impact goes beyond [**homeowners insurance**](https://www.wlox.com/2024/03/25/insurance-companies-leaving-high-risk-climate-areas-limiting-coastal-residents-with-affordable-coverage-options/); businesses, especially medical professionals, also feel the squeeze. ### ** Why Are Insurance Rates Rising?** - ** **Reinsurance Costs Are Rising**** **[**Insurers rely on reinsurance**](https://content.naic.org/insurance-topics/reinsurance#:~:text=Reinsurance-,Background,-Actions) (insurance for insurers) to spread risk. As reinsurers face significant losses due to natural disasters, they pass the cost on to policyholders across all insurance lines, including medical malpractice. - ** **Bigger Disasters, Bigger Costs**** [More frequent and severe storms**](https://www.climate.gov/news-features/blogs/beyond-data/2024-active-year-us-billion-dollar-weather-and-climate-disasters) put financial strain on the entire insurance system, making coverage more expensive across all sectors. - ** **Fewer Insurers, Less Competition**** As risks rise, insurers retreat from high-risk markets. Between 2018 and 2023, Mississippi saw [one of the largest spikes in homeowners insurance nonrenewals in the nation**](https://www.nytimes.com/interactive/2024/12/18/climate/insurance-nonrenewal-rates-policies-state-map.html#:~:text=The%20state%27s%20jump%20in%20nonrenewals%20from%202018%20to%202023%20was%20one%20of%20the%20largest%20in%20the%20country.). With fewer competitors, remaining insurers raise premiums to offset increased exposure.   ### ## **How Are Mississippi’s Medical Malpractice Insurance Rates Impacted?** Reinsurance providers now charge higher premiums and impose stricter payout conditions. In response, [**primary insurers**](https://riskandinsurance.com/natural-disaster-risks-reshape-insurance-landscape-sustainability/#:~:text=Financial%20Impacts%20on%20Insurers%20and%20Reinsurers), including those [**offering medical malpractice coverage**](https://medpli.com/medical-malpractice-insurance-premiums-why-they-go-up-what-you-can-do-about-it/) in Mississippi, increase premiums. Although Mississippi has seen [**slower malpractice premium increases compared to** **other states**](https://www.ama-assn.org/practice-management/sustainability/medical-liability-insurance-headed-toward-hard-market-2025), it is not immune to severe weather, especially along the coast. Physicians should therefore prepare for future premium increases as extreme weather continues to reshape insurance costs for everyone. **MEDPLI’s multi-quote approach saves an average of 20% on insurance premiums.** [GET A QUOTE](https://medpli.com/#quote) ## **Types of Professional Liability Insurance for Mississippi Physicians** Doctors in Mississippi 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 has ended, 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 to the expiring carrier equal to approximately 200% of the claims-made policy’s annual premium. - Mississippi physicians may opt to purchase [**nose coverage**](https://pmc.ncbi.nlm.nih.gov/articles/PMC2793838/), also known as prior acts coverage, instead of tail coverage. Nose coverage is purchased through a new carrier to protect physicians from claims that occurred before the effective date of the new policy, back to a specified date. ### [**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 more costly premiums at the start of the policy, but the rate stays constant throughout the policy’s duration. - Physicians do not need tail coverage when an occurrence policy ends. **In 2024, Mississippi physicians were held liable for 61 medical malpractice claims, resulting in payouts.** - Average Payout: $247,643 - Total Payout: $15,106,250** (Source: National Practitioner Data Bank) [See how Mississippi compares to other places in the U.S.**](https://medpli.com/medical-malpractice-payouts-by-state/) *** ## **Does Mississippi Have Damage Caps for Medical Malpractice Lawsuits?** [**MS Code § 11-1-60**](https://advance.lexis.com/documentpage/?pdmfid=1000516&crid=cee53694-b176-4b27-8114-696f3acab7e3&config=00JABhZDIzMTViZS04NjcxLTQ1MDItOTllOS03MDg0ZTQxYzU4ZTQKAFBvZENhdGFsb2f8inKxYiqNVSihJeNKRlUp&pddocfullpath=%2Fshared%2Fdocument%2Fstatutes-legislation%2Furn%3AcontentItem%3A8P6B-7Y92-8T6X-72WG-00008-00&pdcontentcomponentid=234190&pdteaserkey=sr0&pditab=allpods&ecomp=6s65kkk&earg=sr0&prid=a839b991-1cf2-45e0-8ad1-8f867229c7a8) sets a non-economic damage cap at $500,000 for medical malpractice cases. **Key Rules & Exceptions** - **Non-Economic Damages Definition**: Mississippi’s definition of non-economic damages includes pain and suffering, inconvenience, mental anguish, emotional distress, loss of companionship, embarrassment or humiliation, loss of enjoyment of life, and “any other theory of damages.” - **No Cap on Economic Damages**: Mississippi does **not **limit the amount a jury can award for economic damages, including medical expenses and lost wages. - [**Punitive Damages**](https://advance.lexis.com/documentpage/?pdmfid=1000516&crid=98b48704-b1b2-40e2-9464-e5e0e0607192&config=00JABhZDIzMTViZS04NjcxLTQ1MDItOTllOS03MDg0ZTQxYzU4ZTQKAFBvZENhdGFsb2f8inKxYiqNVSihJeNKRlUp&pddocfullpath=%2Fshared%2Fdocument%2Fstatutes-legislation%2Furn%3AcontentItem%3A8P6B-7Y92-8T6X-72WN-00008-00&pdcontentcomponentid=234190&pdteaserkey=sr0&pditab=allpods&ecomp=6s65kkk&earg=sr0&prid=a4a79b56-120c-411c-bad3-5065634b0ff3): Punitive damages are awarded separately from economic and non-economic damages to punish a defendant who is found, by clear and convincing evidence, to have acted with actual malice, gross negligence, or fraud. The punitive damage cap is determined on a case-by-case basis and is based on [**the defendant’s net worth**](https://advance.lexis.com/documentpage/?pdmfid=1000516&crid=98b48704-b1b2-40e2-9464-e5e0e0607192&config=00JABhZDIzMTViZS04NjcxLTQ1MDItOTllOS03MDg0ZTQxYzU4ZTQKAFBvZENhdGFsb2f8inKxYiqNVSihJeNKRlUp&pddocfullpath=%2Fshared%2Fdocument%2Fstatutes-legislation%2Furn%3AcontentItem%3A8P6B-7Y92-8T6X-72WN-00008-00&pdcontentcomponentid=234190&pdteaserkey=sr0&pditab=allpods&ecomp=6s65kkk&earg=sr0&prid=a4a79b56-120c-411c-bad3-5065634b0ff3#:~:text=In%20any%20civil,50%2C000%2C000.00)%20or%20less.). - **Prior Notice**: No claim can be brought to court unless the defendant is given at least 60 days’ prior written notice of the intention to bring action. - **Expert Testimony**: [**Except in special circumstances**](https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-58/), the plaintiff’s attorney must provide a certificate of consultation when filing a complaint. The certificate must show that they sought expert testimony regarding the breach of the standard of care and that a reasonable basis exists for action against the defendant. **** ## **Mississippi Statute of Limitations for Medical Malpractice Claims** [**MS Code § 15-1-36**](https://advance.lexis.com/documentpage/?pdmfid=1000516&crid=ce233ae9-934a-4788-80f8-458ce0d548a6&nodeid=AAJAABAAT&nodepath=%2FROOT%2FAAJ%2FAAJAAB%2FAAJAABAAT&level=3&haschildren=&populated=false&title=%C2%A7+15-1-36.+Limitations+applicable+to+malpractice+action+arising+from+medical%2C+surgical+or+other+professional+services.&indicator=true&config=00JABhZDIzMTViZS04NjcxLTQ1MDItOTllOS03MDg0ZTQxYzU4ZTQKAFBvZENhdGFsb2f8inKxYiqNVSihJeNKRlUp&pddocfullpath=%2Fshared%2Fdocument%2Fstatutes-legislation%2Furn%3AcontentItem%3A8P6B-7YV2-8T6X-72YF-00008-00&ecomp=6gf5kkk&prid=f60459e1-cfd8-4eef-8543-7522ee6d2946) states that plaintiffs have **2** **years** from the date of injury, or when they discovered the injury, to file a malpractice claim. **Key Rules & Exceptions**: - **Statute of Repose**: Claims cannot be brought more than **7 years** after the alleged act, regardless of the date of discovery. - **Foreign Object**: If a foreign object is left in a patient’s body, the statute period begins when the foreign object is discovered or reasonably should have been discovered. - **Fraudulent Concealment**: If a health care provider’s fraudulent concealment prevents a patient from discovering the malpractice, the statute period begins when they discover – or should have discovered – the fraud, even if it’s more than 7 years after the injury. - **Minors**: If the injured person is under the age of 6 when the malpractice occurred, the statute period begins when the minor turns 8 or dies, whichever occurs first. If the minor does not have a parent or guardian at time of injury, the statute begins when they have a parent or legal guardian, but not before their 6th birthday. - **Disability**: If the injured person is under a disability of unsoundness of mind, the statute period begins when the disability is removed or the injured party dies, whichever occurs first. **** ## **Is Mississippi a Physician-Friendly Place to Practice?** Mississippi consistently ranks near the middle on lists of the [**best states to practice medicine**](https://thedo.osteopathic.org/2025/03/the-best-and-worst-states-for-doctors-in-2025/). It offers some significant advantages for physicians, including: - ** A strict non-economic damage cap that protects physicians from massive payouts - ** Relatively low [**malpractice payout averages**](https://medpli.com/medical-malpractice-payouts-by-state/) - ** The [**highest physician salary**](https://wallethub.com/edu/best-and-worst-states-for-doctors/11376#:~:text=1.-,Mississippi,-2.%20Wisconsin) in the U.S., when adjusted for cost of living - ** Low [**job market competition**](https://thedo.osteopathic.org/2025/03/the-best-and-worst-states-for-doctors-in-2025/#:~:text=Competition%20for%20jobs%20is%20projected%20to%20be%20the%20highest%20in%20the%20District%20of%20Columbia%2C%20Rhode%20Island%20and%20New%20York%20by%202032%2C%20with%20Mississippi%2C%20Missouri%20and%20Louisiana%20being%20projected%20to%20be%20the%20least%20competitive%20states%20for%20physicians.) - ** [**Loan repayment**](https://msdh.ms.gov/page/44,25630,111,304.html) for physicians who practice in Health Professional Shortage Areas   However, Mississippi faces ongoing [**physician shortages**](https://msdh.ms.gov/page/44,30009,111,304.html), which can contribute to provider burnout. Additionally, steadily increasing malpractice premiums threaten to erode the financial advantage of high salaries and low living costs. Mississippi doctors can benefit from working with a [**knowledgeable malpractice insurance broker**](https://medpli.com/about-us/) to manage rising costs. MEDPLI helps physicians find the right coverage at the best possible rate, bringing peace of mind through [**malpractice market uncertainty**](https://www.ama-assn.org/practice-management/sustainability/medical-liability-insurance-headed-toward-hard-market-2025). **Canceled or Non-Renewed? MEDPLI Is Your Best Ally**. We’ve helped over 7,000 doctors eliminate liability risk with comprehensive coverage & affordable rates. [GET A QUOTE](https://medpli.com/#quote)** ## **Mississippi 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, Mississippi 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**](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/) and policy details, identifying underwriters whose risk appetite aligns with your needs. ## ** MEDPLI helps doctors in every specialty**. Whether you’re an Orthopedic Surgeon in Jackson or a Dermatologist in Pascagoula, 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). #### Share This Story, Choose Your Platform! [**](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fmississippi-medical-malpractice-insurance-buying-guide%2F)[**](https://x.com/intent/post?text=2025%20Mississippi%20Medical%20Malpractice%20Insurance%20Buying%20Guide&url=https%3A%2F%2Fmedpli.com%2Fmississippi-medical-malpractice-insurance-buying-guide%2F)[**](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fmedpli.com%2Fmississippi-medical-malpractice-insurance-buying-guide%2F)[**](mailto:?subject=2025%20Mississippi%20Medical%20Malpractice%20Insurance%20Buying%20Guide&body=https%3A%2F%2Fmedpli.com%2Fmississippi-medical-malpractice-insurance-buying-guide%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/why-medpli-is-the-only-malpractice-insurance-broker-you-need/)[Next](https://medpli.com/montana-medical-malpractice-insurance-buying-guide/) ** 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 DegreeMDDOCNMDPMDDSCRNANPPAPTOtherNext and protect Name Phone *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.Submit CLOSE [ Go to Top ](#)