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- 2025 New Hampshire Medical Malpractice Insurance Buying Guide

# 2025 New Hampshire 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: September 11th, 2025

  
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- 2025 New Hampshire Medical Malpractice Insurance Buying Guide

### 2025 New Hampshire Medical Malpractice Insurance Buying Guide
[Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)September 11th, 2025

						
				

									

				
					
## Top 5 Medical Malpractice Insurance Carriers in New Hampshire **
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 New Hampshire physicians. 

- The Doctors Company

- Medical Protective Group

- Coverys Group

- ProAssurance Group

- MagMutual

**Your time is better spent with patients, not insurance companies.**

MEDPLI helps New Hampshire doctors secure the best malpractice rates, from quote to coverage.

[Get Quote](https://medpli.com/#quote)***
## 2025 New Hampshire Malpractice Insurance Rates by Specialty
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](https://medpli.com/contact-us/)** for a custom estimate if you don’t see your specialty. 

 

**Specialty**
**2025****Annual Premium
2025
Tail Premium

Anesthesiology
$25,000
$50,000

Cardiovascular Disease– Minor Surgery
$24,000
$48,000

Dermatology– No Surgery
$12,000
$24,000

Emergency Medicine
$35,000
$70,000

Family Practice– No Surgery
$14,000
$28,000

Gastroenterology– No Surgery
$16,000
$32,000

General Practice– No Surgery
$14,000
$28,000

General Surgery
$48,000
$96,000

Internal Medicine– No Surgery
$14,000
$28,000

Neurology– No Surgery
$16,000
$32,000

Obstetrics and Gynecology– Major Surgery
$80,000
$160,000

Occupational Medicine
$12,000
$24,000

Ophthalmology– No Surgery
$12,000
$24,000

Orthopedic Surgery– No Spine
$52,000
$104,000

Pathology– No Surgery
$10,000
$20,000

Pediatrics– No Surgery
$11,000
$22,000

Pulmonary Disease– No Surgery
$19,000
$38,000

Psychiatry
$9,000
$18,000

Radiology – Diagnostic
$23,000
$46,000

 

Have a question? Get fast answers from a U.S.-based MEDPLI agent. [Call**](tel:800-969-1339) or **[contact us here](https://medpli.com/contact-us/)** today.

****
## New Hampshire Malpractice Payouts From 2015-2024

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    
**
## How Extreme Weather Is Driving Up Malpractice Insurance in New Hampshirex`
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.

### **What’s Causing Insurance Rates to Climb?**
- **
**Rising Reinsurance Costs****

****[Insurance companies rely on reinsurance](https://content.naic.org/insurance-topics/reinsurance#:~:text=Reinsurance-,Background,-Actions)**, essentially insurance for insurers, to manage risk. But as reinsurers absorb massive losses from natural disasters worldwide, they hike their prices. These costs are passed on to all policyholders, including doctors and surgeons in New Hampshire.

- **
**Bigger Disasters, Bigger Costs

**With **[each catastrophic event](https://www.climate.gov/news-features/blogs/beyond-data/2024-active-year-us-billion-dollar-weather-and-climate-disasters)**, the insurance industry faces larger claims and tighter margins. The ripple effect drives up premiums not just for property owners, but for businesses and professionals across every sector.

- **
**Fewer Insurers, Less Competition

**Insurance providers are increasingly retreating from high-risk areas, leading to nonrenewals and fewer options for coverage. What began in Florida and **[California](https://www.fox26houston.com/news/california-insurance-crisis-list-carriers-have-fled-reduced-coverage-state)** is now **[impacting traditionally safer states](https://smartfinancial.com/home-insurance-leaving-states)**.**
**

### 
## **How New Hampshire’s Medical Malpractice Rates Are Impacted**

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.](https://medpli.com/medical-malpractice-insurance-premiums-why-they-go-up-what-you-can-do-about-it/)**

Although New Hampshire saw **[fewer large malpractice premium spikes in 2024](https://www.ama-assn.org/practice-management/sustainability/medical-liability-insurance-headed-toward-hard-market-2025)** compared to other states, **[13.3% of its doctors saw double-digit increases between 2019 and 2020](https://www.ama-assn.org/practice-management/sustainability/14-states-see-medical-liability-insurance-rates-jump-more-10#:~:text=New%20Hampshire%3A%2013.3%25)****. **With severe weather events becoming more frequent, New Hampshire physicians should prepare for future premium increases.

Severe weather is reshaping 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 New Hampshire Physicians**

Doctors in New Hampshire can choose between these two primary types of medical malpractice insurance: 

*
### **[1. Claims-Made ](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/)[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. 

- New Hampshire physicians may opt to purchase **[nose coverage](https://pmc.ncbi.nlm.nih.gov/articles/PMC2793838/)**, or prior acts coverage, instead of tail coverage. Nose coverage can be 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. ](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/)[Occurrence](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/)[ 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, New Hampshire physicians were held liable for 42 medical malpractice payouts. **

- Average Payout: $511,138

- Total Payout: $21,467,800

(Source: National Practitioner Data Bank)

**[See how New Hampshire compares to other places in the U.S.](https://medpli.com/medical-malpractice-payouts-by-state/)**

***
## **Does New Hampshire Have Damage Caps for Medical Malpractice Lawsuits?
**
Unlike many other states, New Hampshire ****[**does not impose economic or non-economic damage caps** ](https://nabip.org/media/8331/medical_malpractice_cap.pdf)in medical malpractice cases after the New Hampshire Supreme Court ruled that damage caps violated equal protection.

**Key Rules & Exceptions**

- **[Punitive Damages](https://law.justia.com/codes/new-hampshire/title-lii/chapter-507/section-507-16/)****: **Not allowed in New Hampshire.

- **[Burden of Proof](https://gc.nh.gov/rsa/html/LII/507-E/507-E-2.htm)****: **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](https://gc.nh.gov/rsa/html/lii/507/507-7-e.htm)****: **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](https://www.investopedia.com/terms/j/joint-and-several-liability.asp)** for the entire award, while a defendant under 50% at fault is only liable for their share.

****
## **New Hampshire Statute of Limitations for Medical Malpractice Claims

**
New Hampshire Statute 507-C:4 declares a **[2-year statute of limitations](https://gc.nh.gov/rsa/html/LII/507-C/507-C-4.htm)** for medical malpractice cases, with few exceptions. However, RSA 507-C has been subject to repeated **[constitutional challenges](https://www.casemine.com/commentary/us/new-hampshire-supreme-court-invalidates-rsa-507-c-medical-malpractice-statute-for-equal-protection-violations/view)** for violating the U.S. Equal Protection Clause by singling out medical malpractice plaintiffs from **[general personal injury plaintiffs](https://gc.nh.gov/rsa/html/LII/508/508-4.htm)**, who have **3 years from the date of injury (or date of discovery)** to file their case in court. 

****
## **Is New Hampshire a Physician-Friendly Place to Practice?**
New Hampshire ranks among the **[top 10 states to practice medicine](https://physiciansthrive.com/best-states/#:~:text=10.%20New%20Hampshire,remaining%2040%20states.)**. 

Notable advantages for physicians include:

- **
**[Highest-paid physicians in America](https://physiciansthrive.com/best-states/#:~:text=highest%2Dpaid%20physicians%20in%20America.)**

- **
Relatively low malpractice risk

- **
Top-rated healthcare systems

- **
**[Excellent quality of life](https://www.nheconomy.com/why-new-hampshire/a-true-work-life-balance)**

- **
No sales tax

- **
**[Relatively steady homeowners insurance costs](https://www.insurance.nh.gov/news-and-media/new-hampshire-homeowners-insurance-market-remains-strong-expanding-coverage-and)**

- **
**[Loan repayment](https://www.dhhs.nh.gov/programs-services/health-care/rural-health-primary-care/state-loan-repayment-program)** for physicians in underserved areas 

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](https://law.justia.com/codes/new-hampshire/2010/titlexxxvii/chapter404-c/section404-c-14)** (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](https://medpli.com/about-us/)**. 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)**
## **New Hampshire 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, New Hampshire 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 physicians in every specialty**.
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**](tel:(800) 969-1339) or [**Request a Quote**](https://medpli.com/#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. [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)
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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.

		

				
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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.

		

				
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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.

		

				
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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.
		

				
							
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Tail coverage protects doctors against any future claims that have yet to be reported.
		

				
							
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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

		

				
							
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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

		

				
							
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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.

		

				
							
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