These rate estimates are for informational purposes only and are based on the NH 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 for a custom estimate if you don’t see your specialty.

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When flooding, coastal storms, and other severe weather events strike New Hampshire, the financial fallout extends beyond damaged homes and infrastructure. It drives up insurance costs statewide. As these events grow more frequent and intense, insurers face mounting losses and respond by raising premiums across the board – and not just for homeowners insurance. Medical malpractice insurance feels the hit, too, and healthcare professionals must shoulder the cost of a destabilized market.

Medical malpractice insurers are now grappling with surging reinsurance premiums and tougher payout conditions. To offset their rising costs, they’ve raised premiums for physicians nationwide.

Although New Hampshire saw fewer large malpractice premium spikes in 2024 compared to other states, 13.3% of its doctors saw double-digit increases between 2019 and 2020. With severe weather events becoming more frequent, New Hampshire physicians should prepare for future premium increases.

Severe weather is reshaping insurance costs for everyone.

Unlike many other states, New Hampshire does not impose economic or non-economic damage caps in medical malpractice cases after the New Hampshire Supreme Court ruled that damage caps violated equal protection.

Key Rules & Exceptions

• Punitive Damages: Not allowed in New Hampshire.
• Burden of Proof: Plaintiffs carry the burden of proof in New Hampshire malpractice cases. They must show, with affirmative evidence and testimony from a qualified medical expert in the same specialty, that the provider breached the accepted standard of care and that the breach caused the injury.
• Comparative Fault: Juries assign responsibility in proportion to each party’s fault. A defendant found more than 50% at fault can be held jointly and severally liable for the entire award, while a defendant under 50% at fault is only liable for their share.

New Hampshire Statute 507-C:4 declares a 2-year statute of limitations for medical malpractice cases, with few exceptions. However, RSA 507-C has been subject to repeated constitutional challenges for violating the U.S. Equal Protection Clause by singling out medical malpractice plaintiffs from general personal injury plaintiffs, who have 3 years from the date of injury (or date of discovery) to file their case in court.

New Hampshire ranks among the top 10 states to practice medicine.

Notable advantages for physicians include:

In addition, malpractice premiums in New Hampshire remain steadier than in many other states, in part thanks to the New Hampshire Medical Malpractice Joint Underwriting Association (NHMMJUA). However, as national trends, including more frequent severe weather events and nuclear verdicts in malpractice cases, continue to drive up insurance costs, physicians should prepare for future increases.

To manage rising costs, New Hampshire doctors can benefit from working with a knowledgeable malpractice insurance broker. MEDPLI helps physicians find the right coverage at the best possible rate, bringing peace of mind through malpractice market uncertainty.

We exclusively broker medical malpractice insurance, focusing daily on making the professional liability process less burdensome and expensive for doctors. 

With MEDPLI, New Hampshire physicians:

Whether you’re a Gastroenterologist in Concord or a Cardiologist in Lebanon, MEDPLI will find you premier coverage at a competitive rate. 

Call 800-969-1339 or Request a Quote.