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However, both cosmetic and reconstruction plastic surgeries carry a high risk of serious intraoperative patient injuries and post-operative complications. That’s why New Jersey plastic surgeons need robust medical malpractice insurance. That’s why New Jersey plastic surgeons need robust medical malpractice insurance. As your only trusted broker, MEDPLI will help you find the right coverage at the best rate in New Jersey. ## Get A Quote Specialty *Select your SpecialtyAesthetic MedicineAllergyAnesthesiologyCardiology-InvasiveCardiology-Non InvasiveConciergeDermatologyDirect Primary Care (DPC)Emergency MedicineEndocrinologyFamily Practice/General 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 DegreeMDDOCNMDPMDDSCRNANPPAPTOtherState *Select Your StateALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWYDCZip Code *NextBusiness NameName *FirstLastPhoneEmail *AddressAddress Line 1Address Line 2City--- Select state ---AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingStateZip Code(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.NameSubmit If you are a New Jersey plastic surgeon in private practice or are planning to open a new practice, use this guide prepared by independent MEDPLI insurance brokers to give you a concise overview of the current medical malpractice landscape. Then contact a MEDPLI insurance broker to discuss your coverage needs and [get a quote](https://medpli.com/#quote). *** ## Medical Malpractice Insurance Requirements for New Jersey Plastic Surgeons Massachusetts law requires surgeons to maintain medical malpractice insurance with the required minimum coverage amounts for claims against injury or death set at $1,000,000 Each Claim / $3,000,000 Aggregate per year. However, bariatric surgery is considered a high-risk specialty, so you will need more coverage than $1,000,000 Each Claim / $3,000,000 Aggregate per year to be adequately protected if sued for malpractice. MEDPLI strongly recommends securing coverage from an A-rated carrier as the most cost-effective way to protect against devastating financial loss if you are sued for malpractice in Massachusetts. As an independent broker, we specialize in medical malpractice insurance for bariatric surgeons. We can help you find the best coverage at a great price. * ## Cost of Medical Malpractice Insurance for New Jersey Plastic Surgeons To calculate the cost of medical malpractice insurance for a plastic surgeon, each insurance carrier uses its own proprietary methods of setting rates. Factors that affect the price of insurance include practice location, surgical specialty, and past claims history. The following are approximate medical malpractice insurance premium rates for plastic surgeons across all New Jersey areas:  Specialty Approximate Claims Made Rate Approximate Tail Rate Approximate Occurrence Rate Plastic Surgery $80,000 $160,000 $90,000 *Using the NJ standard limits of $1,000,000 Each Claim / $3,000,000 Aggregate per year in coverage *** ## Types of Professional Liability Insurance for New Jersey Plastic Surgeons Here is an brief overview of the three most common types of medical malpractice insurance for plastic surgeons in New Jersey: ### 1. Claims Made Insurance [Claims-made malpractice insurance](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/) 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. ### 2. Occurrence Insurance [Occurrence malpractice insurance](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/) 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 generally stays the same for the length of the policy, and there is no need for tail coverage when the policy ends. ### 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](https://medpli.com/physicians-guide-to-tail-insurance/) 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. Reach out to an experienced MEDPLI insurance broker who will get to work for you to find a tail policy at a great price. ## Let a MEDPLI Broker Help You Choose the Best Policy for Your Practice Every surgeon’s situation is unique, so we recommend a conversation with a MEDPLI insurance broker to discuss the unique needs of your New Jersey practice. Your MEDPLI insurance broker will explain the benefits and limitations of each type of medical malpractice insurance available in your state to ensure you get the right type and amount of coverage for your plastic surgery specialty. *[GET QUOTE](https://medpli.com/#quote) ## Get Quotes from A-Rated Carriers Serving New Jersey Plastic Surgeons MEDPLI insurance brokers will obtain quotes from medical malpractice insurance from carriers rated “A” by A.M. Best for their long-term financial solvency and robust legal support of policyholders. The top carriers in New Jersey include: - * Princeton (MedPro Group) - ** Coverys Group - ** MD Advantage (A MagMutual Company) - ** ProAssurance - ** Conventus **** ## Why Plastic Surgeons Are Classified as High Risk by New Jersey Medical Malpractice Insurance Companies Medical malpractice insurance underwriters classify bariatric surgery as a high-risk specialty because of the surgical side-effects and complications that commonly lead to allegations of malpractice. Therefore, no matter what state you practice in, the cost of medical malpractice insurance will be higher for bariatric surgeons compared to other lower-risk specialties. ## Top Reasons Why New Jersey Plastic Surgeons Are Sued A review of malpractice claims data by “A” rated malpractice insurance carrier [MedPro Group](https://medpli.com/medpli-carrier-spotlight-medpro/) found that improper surgical performance and poor outcomes of higher-risk elective cosmetic surgeries, surgical errors, and negligence regarding post-operative infections contributed to the risks of plastic surgery, including these iatrogenic patient injuries: - ** Nerve damage near the surgical site - ** Scarring and disfigurement - ** Surgical incision errors - ** Damage to surrounding tissues - ** Improper placement of implants According to a 2020 study by the American Society of Plastic Surgeons (ASPS), plastic surgeons in the U.S. Middle Atlantic region, which includes New Jersey, performed 42% of all cheek implant surgeries and 22% of rhinoplasty surgeries in the U.S. Other cosmetic plastic surgeries most often performed in New Jersey include: breast augmentation, liposuction, facelift, and abdominoplasty (“tummy tuck”). Most of these procedures carry a higher risk of medical malpractice claims citing specific injuries or complications, such as: - ** Cheek implant surgery – Improper placement of implant resulting in disfigurement - ** Eyelid surgery – Difficulty closing eyes, temporary “lid lag” on lower eyelid, outward rolling of lower eyelid (ectropion), temporary or permanent vision changes - ** Facelift – Damage to several critical blood vessels during orthognathic surgery (reshaping and structuring the jaw) **Plastic surgeons can reduce their risk of a malpractice lawsuit by implementing a comprehensive risk management strategy. ## New Jersey’s Medical Malpractice Insurance Legislation Consulting with a MEDPLI insurance broker who understands the complexities of New Jersey’s medical malpractice laws will ensure that your plastic practice is protected with the right amount of medical malpractice insurance coverage. ** ## New Jersey’s Damage Caps on Medical Malpractice Lawsuits In 2023 there are no caps on payouts for economic and non-economic damages in medical malpractice lawsuits. In any injury case, punitive damages are limited to $350,000 or five times the amount of compensatory damages, whichever is greater. However, punitive damages are rare partly because they require proof that the defendant acted with “actual malice” or a “wanton and willful disregard” toward injury. ## New Jersey’s Statute of Limitations for Medical Malpractice Claims According to state law, the conditions for filing a medical malpractice lawsuit in New Jersey in 2023 are: - ** Medical malpractice suits must be filed within two years of the date of the injury - ** If the injury could not have been reasonably discovered within that two year period, the statute of limitations will not begin to run until discovery - ** Birth-related medical malpractice claims must commence prior to a minor’s 13th birthday - ** If a patient was a minor at the time of injury, they have until age 18 to file suit - ** If a minor died as a result of medical malpractice, the claim must be filed within two years ## Plastic Surgeon Medical Malpractice Outcomes in New Jersey With no caps on economic and non-economic damages in New Jersey, plastic surgeons are more vulnerable to personal financial loss if they have inadequate medical malpractice coverage. In 2022, the total medical malpractice payout in New Jersey was $146,784,000. The following examples of New Jersey medical malpractice lawsuits found in favor of the plaintiff, or paid as a settlement, show the critical need for plastic surgeons to have more than adequate liability coverage: * ## Plastic Surgery Case Settled for $300,000 The patient alleged that a New Jersey plastic surgeon used improper surgical technique during bilateral otoplasty surgery, resulting in significant deformity of both ears. ## Jury Awards Plastic Surgery Patient $1 Million A female patient suffered nerve damage, drooping lower eyelid, scarring, and excessive tear duct watering after undergoing a blepharoplasty (eyelid surgery) performed as part of a facelift. The patient claimed that she had not agreed to the additional eyelid surgery. Although the surgeon maintained that the patient had given verbal approval on the day of the surgery, the jury found that the surgeon had failed to provide the patient with enough information required for informed consent for the additional blepharoplasty. The jury awarded the patient $1 million for pain and suffering, disfigurement, and loss of enjoyment of life. ## Even the Best Plastic Surgeons In New Jersey Need Protection From Malpractice Lawsuits Most surgeons face at least one medical malpractice lawsuit brought forth by a patient throughout their career, so it’s essential to be covered when it happens to you. In addition to damages awarded to the plaintiff, having medical malpractice insurance assures that your legal costs will be covered regardless of whether the case is won or lost. ## How MEDPLI Brokers Help Plastic Surgeons Save Time and Money on Medical Malpractice Insurance Although previously among the highest in the country, New Jersey’s medical malpractice insurance rates have become more stable and affordable. However, working with MEDPLI takes the guesswork and effort out of trying to get the right coverage at the best rate on your own. We help you save time and money by: - * Researching all of your best coverage, rate, and “A” rated carrier options that specifically meet the requirements of your plastic specialty and practice location in New Jersey. - ** Asking about any policy discounts offered for a new practice, medical association members, or physicians with no previous claims, for example. - ** Researching flexible payment options offered by carriers to best fit the budget for your practice. - ** Reviewing and consulting with you on all quotes, payment options, and possible discounts to help you make the best choice of coverage and rate for your needs. MEDPLI insurance brokers are ready to help you navigate the complexities of New Jersey’s medical malpractice laws and secure the right amount of coverage for your plastic surgical practice. From submitting your application, obtaining the best rates for new policies and renewals from “A” rated carriers and more, MEDPLI will make your malpractice insurance less painful. ## [Have Questions? Need a Quote? Ask a MEDPLI Insurance Broker Now.](https://medpli.com/contact-us/) #### Share This Story, Choose Your Platform! [**](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fnew-jersey-plastic-surgeons-guide-medical-malpractice-insurance%2F&t=New%20Jersey%20Plastic%20Surgeons%20Guide%20to%20Medical%20Malpractice%20Insurance)[**](https://x.com/intent/post?text=New%20Jersey%20Plastic%20Surgeons%20Guide%20to%20Medical%20Malpractice%20Insurance&url=https%3A%2F%2Fmedpli.com%2Fnew-jersey-plastic-surgeons-guide-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmedpli.com%2Fnew-jersey-plastic-surgeons-guide-medical-malpractice-insurance%2F&title=New%20Jersey%20Plastic%20Surgeons%20Guide%20to%20Medical%20Malpractice%20Insurance&summary=New%20Jersey%20Has%20High%20Demand%20for%20Plastic%20Surgery%20%0D%0AWith%20a%20relatively%20low%20number%20of%20plastic%20surgeons%20per%20capita%20in%20New%20Jersey%2C%20plastic%20surgeons%20are%20in%20demand%20in%20this%20densely%20populated%20state%2C%20as%20well%20as%20by%20affluent%20patient%20populations%20in%20New%20York%20City%20and%20other%20neighboring%20metro%20areas%20seeking%20a%20variety%20of%20cosmetic%20procedures.%0D%0AHowever%2C%20both)[**](mailto:?subject=New%20Jersey%20Plastic%20Surgeons%20Guide%20to%20Medical%20Malpractice%20Insurance&body=https%3A%2F%2Fmedpli.com%2Fnew-jersey-plastic-surgeons-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 - 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/) - Latest [ * ](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/) ## [Florida Neurosurgeons Guide to Medical Malpractice Insurance](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 26th, 2026| Florida Is a Destination for World-Class Neurosurgery [...] [Read More***](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/) - Malpractice Insurance [ * ](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/) ## [Buying Malpractice Insurance 101: A Guide for Physicians](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 24th, 2026| In this article, medical malpractice insurance expert Max Schloemann [...] [Read More***](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/) [Previous](https://medpli.com/massachusetts-bariatric-surgeons-guide-to-medical-malpractice-insurance/)[Next](https://medpli.com/georgia-plastic-surgeons-guide-to-medical-malpractice-insurance/) *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 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. 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