Doctor With Medical Malpractice Insurance Standing In Front Of Missouri State Flag Holding A Stethoscope

In Need of Medical Malpractice Insurance in Missouri?

If you are a physician needing medical malpractice coverage in Missouri, MEDPLI will work for you as your only trusted broker.

Use the information in this 2024 Buying Guide to get ready to discuss your medical malpractice insurance needs with a MEDPLI insurance broker. Get a quote.

Missouri Medical Professional Liability Insurance Market Summary

Physicians in Missouri have many options for obtaining medical malpractice insurance, but we recommend carriers rated “A” by A.M. Best because of their long-term financial solvency and a history of providing robust financial and legal support for Missouri physicians. 

Some of the top-rated medical malpractice insurance companies serving Missouri physicians include:

  • MedPro Group

  • The Doctors Company

  • ISMIE Group

  • ProAssurance

  • NORCAL Group (A Part of ProAssurance)

  • Coverys Group

  • Liberty Mutual Group

Save time by getting a range of carrier quotes from MEDPLI today.

Malpractice Insurance Rates for Missouri Doctors

This information includes general estimated premiums which can vary greatly based on many factors, such as practice location, medical/surgical specialty, and past claims history. Talk to a MEDPLI broker to get quotes tailored to your unique coverage needs.

Specialty Approximate Claims Made Rate
Anesthesiology $18,000
Cardiovascular Disease Minor Surgery $21,000
Emergency Medicine $34,000
Family Practice No Surgery $15,000
General Surgery $48,000
Internal Medicine No Surgery $16,000
Neurology No Surgery $21,000
Obstetrics and Gynecology Major Surgery $71,000
Occupational Medicine $11,000
Ophthalmology No Surgery $11,000
Orthopedic Surgery No Spine $44,000
Pathology No Surgery $13,000
Pediatrics No Surgery $13,000
Psychiatry $11,000
Radiology – Diagnostic $19,000

*Using the MO standard limits of $1,000,000 Each Claim / $3,000,000 Aggregate per year in coverage

Each practice risk profile is different, and your rates could vary significantly.   MEDPLI specializes in medical malpractice insurance and tail insurance coverage for Missouri physicians and surgeons.  To get estimates based on your specific scenario, reach out for a personalized quote. Get a quote.

Types of Professional Liability Insurance for Missouri Physicians

Here is a brief overview of the most common types of medical malpractice insurance for physicians in Missouri:

1. Claims Made Insurance

Claims-made malpractice insurance provides coverage if the policy is in effect both when the incident took place AND when the claim is filed. If a claim is filed after the end of the policy date, the claim is NOT covered. With a claims-made policy you need tail malpractice insurance, which is a separately purchased insurance policy or endorsement, to make sure you have full protection. Learn more about claims-made insurance here.

2. Occurrence Insurance

Occurrence malpractice insurance provides coverage for incidents that occurred during the policy year, regardless of when a claim is reported to the carrier. Occurrence policies are more costly at the start of the policy, but the rate stays the same for the length of the policy, and there is no need for tail coverage when the policy ends. Read more about occurrence insurance.

3. Tail Insurance

Since most malpractice insurance policies are underwritten on a claims-made basis, you will be exposed to a lawsuit if a former patient files a claim against you and you do not secure tail coverage.  When you are preparing to leave your employer, you should seek tail coverage options with an independent broker like MEDPLI.  Tail insurance covers you for a specific time period.  The new employer’s policy is not going to cover you for prior acts of a former practice, hence tail coverage is needed.  Read more about tail malpractice insurance for physicians. 

Reach out to an experienced MEDPLI insurance broker who will work for you to find a tail policy at a great price.


Medical malpractice insurance or secured assets to cover claims? 

MEDPLI’s recommendation:

Medical malpractice insurance from an A-rated carrier is the most cost-effective way to protect yourself.

Telemedicine in Missouri

The Missouri Telehealth Network has been providing specialized healthcare services to rural and underserved residents across the state since 1994. The state legislature passed Missouri House Bill Number 1617 in 2018, allowing telemedicine to be used for patients in most settings and by any licensed “health care provider,” stipulating only that the same standards of care apply as in person visits.

In July 2022, Missouri revised its “Guidance and Clarification on the Definition and Use of Telemedicine and Audio-Only Services” to mandate that physicians must first establish a provider/patient relationship by way of an in-person patient visit and physical examination, or a consultation with another physician who has an established relationship with the patient, prior to an audio-only virtual visit. 

Other key telemedicine regulations for Missouri physicians include:

  • All physicians and healthcare professionals providing telemedicine services must be licensed to practice medicine in Missouri.
  • Physicians who practice telemedicine must establish a valid physician/patient relationship prior to providing the telemedicine services.
  • Physicians must obtain patient consent and ensure confidentiality of the patient’s medical information in compliance with HIPAA privacy laws.
  • Patients may receive remote medical care via telemedicine at any location, including the patient’s home.

Doctors that take care of patients via telehealth are subject to the same liabilities as with in-person treatment. Reach out to a MEDPLI insurance broker to make sure your existing medical malpractice policy extends coverage to perform telehealth services in Missouri.

Tort Reform in Missouri

Notable tort reforms in Missouri include:

The state enacted its first cap on damages in 1986 after insurance premiums increased by a whopping 131% in 1981. In the early 2000’s, premiums began to creep up again, and several large insurance carriers either became insolvent or left the state market. 

After a decade and a half of legislation aimed at bringing medical providers back into the state, lawmakers passed bipartisan legislation in 2015 that capped non-economic damages for both catastrophic and non-catastrophic injuries. 

In 2021, Missouri’s State Supreme Court reviewed the 2015 legislation and ruled that the non-economic damage caps do not violate Missouri’s constitution. 

Missouri’s Damage Caps on Medical Malpractice Lawsuits

There are no caps on economic damages or punitive damages in Missouri’s medical malpractice cases.

Missouri passed a law in 2015 capping non-economic damages in medical malpractice cases at $400,000 for non-catastrophic injuries and $700,000 for catastrophic injuries, with an annual 1.7 percent increase each year indefinitely. For example:

Year  Non-Catastrophic Cap   Catastrophic Cap
2023 $457,749 $801,061
2024 $465,531 $814,679
2025 $473,445  $828,529

Catastrophic injuries are defined by state law as “an injury resulting in quadriplegia, paraplegia, the loss of two or more limbs, significant and permanent cognitive impairment, irreversible failure of a major organ, or significant loss of vision.”

Statute of Limitations for Medical Malpractice Claims

The statute of limitations for medical malpractice in Missouri can be complex and can vary from case to case. Consulting with MEDPLI insurance brokers who understand the ins and outs of this system is an important part of protecting your medical practice with strong medical malpractice insurance coverage.

Medical Malpractice Insurance Outcomes in Missouri

The total malpractice payout in Missouri was $38,430,000 as of 9/30/2023. (Source: National Practitioner Data Bank)

Closing Remarks

While Missouri is home to several nationally ranked hospitals, including Barnes-Jewish in St. Louis and St. Luke’s of Kansas City, rural areas continue to experience a critical shortage of physicians. In addition to incentive programs by healthcare organizations to attract more doctors, the Missouri legislature passed two groundbreaking bills in 2023 that are expected to improve access to quality healthcare to these underserved areas. Physicians are also in demand to meet the needs of Missouri’s growing number of Medicare-age residents, which made up nearly 23% of the state’s population in 2023 according to data from the Missouri Department of Health and Senior Services.

While Missouri offers a wealth of opportunities to practice, Missouri physicians, however, will need strong medical malpractice insurance since there are no caps on economic damages in medical liability lawsuits, as well as high non-economic caps set to increase yearly in Missouri.