[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)
- New Jersey Medical Malpractice Insurance: 2026 Buyer’s Guide

# New Jersey Medical Malpractice Insurance: 2026 Buyer’s Guide
[Get a quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/)By [Max Schloemann](https://medpli.com/author/max-schloemann/)Published On: January 9th, 2026

  
- [Home](https://medpli.com)
- New Jersey Medical Malpractice Insurance: 2026 Buyer’s Guide

### New Jersey Medical Malpractice Insurance: 2026 Buyer’s Guide
[Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)January 9th, 2026

						
				

									

				
					
### Table of Contents

## Top 5 Medical Malpractice Insurance Companies in New Jersey **
We recommend [**carriers with an AM Best “A” or higher rating**](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/). An A-rating indicates financial strength, long-term solvency, and an established history of protecting NJ physicians and suregons. 

- *
MedPro Group

- **
Coverys

- **
Applied Medico-Legal Solutions (AMS RRG)

- **
Curi

- **
Conventus

[Get Your Free Quote](#quote)***Your time is better spent with patients, not insurance companies.**

MEDPLI advocates for doctors and surgeons to find the best rates in New Jersey and manages the entire process, from quotes to coverage.  

[Get Started](#quote)***
## **What is the Cost of Medical Liability and Malpractice Insurance in New Jersey?**

## **What is the Cost of Medical Liability and Malpractice Insurance in New Jersey?**
These rate estimates are for informational purposes only and are based on the NJ standard limits of $1,000,000 per claim and $3,000,000 aggregate per year. 

The Doctor’s Company has announced it has plans to reduce malpractice insurance premiums by %25, effective October 1, 2026. Despite this, the best option for your practice may be another provider, so it’s best to contact us regardless.

Quotes require a completed application and underwriter approval. [**Contact us**](https://medpli.com/contact-us/) for a custom estimate if you don’t see your specialty. 

### **Average Cost of Medical Malpractice Insurance

**** by Specialty in New Jersey****
(2026 data, $1M/$3M coverage)

Specialty
2026

Annual Premium
2026

Tail Premium

[Anesthesiology](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/)
$18,360
$36,720

[Cardiovascular Disease– Minor Surgery](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/)
$21,420
$42,840

[Dermatology– No Surgery](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/)
$10,200
$20,400

Emergency Medicine
$35,700
$71,400

[Family Practice– No Surgery](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/)
$14,280
$28,560

[Gastroenterology– No Surgery](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/)
$17,340
$32,680

General Practice– No Surgery
$14,280
$28,560

[General Surgery](https://medpli.com/specialties/general-surgeon-medical-malpractice-insurance/)
$47,940
$95,880

Internal Medicine– No Surgery
$14,280
$28,560

[Neurology– No Surgery](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/)
$20,400
$40,800

[Obstetrics and Gynecology– Major Surgery](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/)
$86,700
$173,400

Occupational Medicine
$9,180
$18,360

Ophthalmology– No Surgery
$10,200
$20,400

[Orthopedic Surgery– No Spine](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons/)
$51,000
$102,000

Pathology– No Surgery
$13,260
$26,520

Pediatrics– No Surgery
$14,280
$28,560

Pulmonary Disease– No Surgery
$19,380
$38,760

[Psychiatry](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/)
$9,180
$18,360

[Radiology – Diagnostic](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/)
$19,380
$38,760

Have a question? Get fast answers from a U.S.-based MEDPLI agent. Call **[**1-800-969-1339**](tel:800-969-1339)** **or email** **[**info@medpli.com**](mailto:info@medpli.com).

**MEDPLI’s multi-quote approach saves an average of 23% on insurance premiums.**

[GET A QUOTE](#quote)****
## **Average Medical Malpractice Payouts in New Jersey From 2019-2025

**

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    

    
                
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
            
            
            
            
            
            
            
        
        
            
        
    

    

    
        
    
**In 2025, New Jersey physicians were held liable for 718 medical malpractice payouts.

**

- Average Payout: $489,221**

- Total Payout: $351,260,900

(Source: National Practitioner Data Bank)

[See how New Jersey compares to other states**](https://medpli.com/medical-malpractice-payouts-by-state/).

## **Professional Liability Insurance Options for New Jersey Physicians

**

Physicians in New Jersey 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 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 must obtain [**tail insurance coverage**](https://medpli.com/products-services/tail-malpractice-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 equal to approximately 200% of the claims-made policy’s annual premium.

### **[2. ](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/)[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 higher premiums at the start of the policy, but the rate remains constant throughout the policy’s duration.

- Physicians do not need tail coverage when an occurrence policy ends.

[Get Your Quote](#quote)***
## **Does New Jersey Medical Malpractice Damage Caps?**
Economic and non-economic damages are not capped in New Jersey. Still, [**punitive damages are regulated**](https://www.njcourts.gov/sites/default/files/charges/8.60.pdf) and shall not exceed the greater of $350,000 or five times the amount of compensatory damages.

****
## **What Is the New Jersey Statute of Limitations for Medical Malpractice?**
In New Jersey, the statute of limitations for medical malpractice claims is [**2 years from the date of injury**](https://law.justia.com/codes/new-jersey/title-2a/section-2a-14-2/), wrongful death, or the date of discovery of the injury.

**Exceptions**: 

- For birth-related injuries, claims can be filed until the child’s 13th birthday.

- For minors, the limitations are tolled until age 18, allowing claims to be filed until the plaintiff’s 20th birthday.  

- Fraudulent concealment by the defendant.

- Continuous treatment may be grounds for an extension.

- Plaintiff’s mental incapacity.

## **Canceled or Non-Renewed? MEDPLI Is Your Best Ally**. 
**0%
### **Average Savings**

**0+
### **5-Star Reviews**

**0+
### **Doctors Served**

We’ve helped over 7,000 doctors eliminate liability risk with comprehensive coverage & affordable rates.

[Get a quick quote here](#quote)**
## **New Jersey Physicians & Surgeons 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 Jersey 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 and policy details to identify underwriters whose risk appetite aligns with your needs.

## New Jersey Medical Malpractice Insurance FAQ**
How much does medical malpractice insurance cost in New Jersey?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-12-18T11:57:36-06:00
#### [****How much does medical malpractice insurance cost in New Jersey?](#collapse-1-5901)
Medical malpractice insurance costs in New Jersey vary widely depending on your specialty, claims history, and coverage limits. Lower-risk specialties may pay tens of thousands per year, while high-risk fields such as [**OB-GYN,**](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) [**surgery**](https://medpli.com/specialties/malpractice-insurance-general-surgeons/), or [**anesthesiology**](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/) often see significantly higher premiums.

Since New Jersey is considered a higher-risk malpractice state, rates tend to be above the national average.

Can physicians with prior claims get malpractice insurance in New Jersey?[Max Schloemann](https://medpli.com/author/max-schloemann/)2026-01-19T14:23:05-06:00
#### [****Can physicians with prior claims get malpractice insurance in New Jersey?](#collapse-1-5902)
Yes. While prior claims can increase premiums or limit carrier options, many physicians remain insurable. [**MEDPLI**](https://medpli.com/) specializes in placing coverage for New Jersey physicians with prior claims, coverage gaps, or non-renewals.

What affects malpractice insurance rates for New Jersey doctors?[Max Schloemann](https://medpli.com/author/max-schloemann/)2025-12-18T11:57:14-06:00
#### [****What affects malpractice insurance rates for New Jersey doctors?](#collapse-1-5903)
Several factors influence malpractice insurance costs in New Jersey, including your medical specialty, years of experience, prior claims, coverage limits, practice setting, and whether your policy is claims-made or occurrence-based. Geographic location and patient volume can also play a role.

We simplify the process by [**reviewing multiple carriers**](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/) at once, helping physicians find coverage that fits both their risk profile and budget.

## **Get Your Quote for Medical Malpractice Insurance in New Jersey

**
Whether you’re a [**Cardiologist**](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) in Newark or an Audiologist in Asbury Park, MEDPLI will provide you with premier coverage at a competitive rate.  

Call [**800-969-1339**](tel:800-969-1339) or [**Request a Quote**](https://medpli.com/#quote).****

## Get A Quote

#### Get a fast quote for medical malpractice insurance.

*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 DegreeMDDOCNMDPMDDSCRNANPPAPTOther		
			Phone (current informed
			
		
		**NextPhone *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  

#### Share This Story, Choose Your Platform!
[*](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fnew-jersey-doctors-buying-guide-medical-malpractice-insurance%2F)[**](https://x.com/intent/post?text=New%20Jersey%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&url=https%3A%2F%2Fmedpli.com%2Fnew-jersey-doctors-buying-guide-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fmedpli.com%2Fnew-jersey-doctors-buying-guide-medical-malpractice-insurance%2F)[**](mailto:?subject=New%20Jersey%20Medical%20Malpractice%20Insurance%3A%202026%20Buyer%E2%80%99s%20Guide&body=https%3A%2F%2Fmedpli.com%2Fnew-jersey-doctors-buying-guide-medical-malpractice-insurance%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
- Illinois
							[
										](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/)
							

## [Illinois Medical Malpractice Insurance: 2027 Buyer’s Guide](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/)
[Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Explore 2027 Illinois medical malpractice insurance costs, top A-rated insurers, payout trends & the latest state regulations. Get your free quote today.

[Read More***](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/)

- Malpractice Insurance
							[
							*			](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/)
							

## [Medical Malpractice Insurance in Florida: 2027 Buyer’s Guide](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/)
[Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Compare 2027 Florida medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today.

[Read More***](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/)

- Malpractice Insurance
							[
							*			](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/)
							

## [Texas Medical Malpractice Insurance: 2027 Buyer’s Guide](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/)
[Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Compare 2027 Texas medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today.

[Read More***](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/)

- Malpractice Insurance
							[
							*			](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/)
							

## [A Surgeon’s Malpractice Partner: The Ahuja Bariatric & Beyond Story](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/)
[Max Schloemann](https://medpli.com/author/max-schloemann/)|November 2nd, 2026|Learn what to consider when buying malpractice insurance, from policy types and tail coverage to limits and carriers. Get a quote from MEDPLI today.

[Read More***](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/)

[Previous](https://medpli.com/massachusetts-doctors-buying-guide-to-medical-malpractice-insurance/)[Next](https://medpli.com/policy-changes-in-2026-and-the-rising-risk-landscape-for-healthcare-providers/)
				
			
			
						
					  
				  
				
				
								
					
		
					
	
		
			
				
																									
										

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/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/)
- [ 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 MedicineOther		
			any package, NPDB
			
		
		Degree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOtherNextPhone *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
			
			
					](#)