Anesthesiologist Medical Malpractice Insurance

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A Group Of Anesthesiologists Surround A Patient Wearing A Mask

Anesthesiologists can face lengthy and costly medical malpractice claims due to the high-risk nature of the specialty.

Of the 53,000 anesthesiologists practicing in the country, 36% will be sued at least once in their careers. An extensive medical malpractice insurance policy protects them from the significant costs of a claim.

MEDPLI helps anesthesiologists find comprehensive malpractice coverage from an A-rated carrier and save up to 28% on premiums.

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Why Anesthesiologists Need Medical Malpractice Insurance

Anesthesiologists treat many patient types, undergoing a wide range of procedures. Candidates’ individual risk factors, coupled with the delicate nature of administering anesthetics, leave anesthesiologists vulnerable to be sued.

Anesthesiologists tend to be sued for:

  • Brain damage

  • Nerve injury

  • Aspiration

  • Awareness during general anesthesia

  • Poor patient monitoring

  • Failure to administer anesthetic plan

  • Failure to review medical history pre-operation

  • Critical events, such as coma or death

Despite a significant decrease in anesthesia claims in the past 10 years, anesthesiologists continue to face the same risks of a lawsuit as other surgical professionals. The standard deadline for filing a malpractice suit is between 1-4 years, depending on the state. However, the “discovery rule” acts as an exception, resetting the statute of limitations to the time of discovery and putting anesthesiologists at an extended risk. Patients who are minors or mentally disabled may also have more time. Some states have imposed tort reform limiting damage payouts, but these can still be up to $2.5 million in some parts of the US.

The right medical malpractice insurance will protect you from multiple factors in the event of a lawsuit, including:

  • Monetary damages awarded to the plaintiff

  • Attorney’s fees

Though many (not all) states have no legal requirement for anesthesiologists to carry liability insurance, most hospitals and surgery centers require it and may not add practicing anesthesia providers to a group plan.

Anesthesiologist Medical Malpractice Insurance Rates

Insurance premiums for anesthesiologists differ by city and state. Mature claims-made estimates below are for informational purposes only. Occurrence coverage may be available. To get your personalized rate estimate, please request a quote.

State City Premium Estimate Limits of Liability
AL Birmingham $14,000 $1,000,000/$3,000,000
AR Little Rock $12,000 $1,000,000/$3,000,000
AZ Phoenix $15,000 $1,000,000/$3,000,000
CA Los Angeles $12,000 $1,000,000/$3,000,000
CO Denver $15,000 $1,000,000/$3,000,000
CT Bridgeport $20,000 $1,000,000/$4,000,000
DE Wilmington $17,000 $1,000,000/$3,000,000
DC Washington DC $25,000 $1,000,000/$3,000,000
FL* Miami $40,000 $1,000,000/$3,000,000
FL* Miami $25,000 $250,000/$750,000
GA Atlanta $16,000 $1,000,000/$3,000,000
HI Honolulu $18,000 $1,000,000/$3,000,000
IA Des Moines $8,000 $1,000,000/$3,000,000
ID Boise $7,000 $1,000,000/$3,000,000
IL Chicago $28,000 $1,000,000/$3,000,000
KS Wichita $7,000 + KS HCSF $200,000/$600,000
KY Louisville $17,000 $1,000,000/$3,000,000
IN Indianapolis $7,000 + IN PCF $250,000/$750,000
LA New Orleans $10,000 + LA PCF $1,000,000/$3,000,000
MA Boston $15,000 $1,000,000/$3,000,000
MD Baltimore $17,000 $1,000,000/$3,000,000
ME Portland $14,000 $1,000,000/$3,000,000
MI Detroit $20,000 $1,000,000/$3,000,000
MO St. Louis $17,000 $1,000,000/$3,000,000
MN Minneapolis $6,000 $1,000,000/$3,000,000
MS Jackson $18,000 $1,000,000/$3,000,000
MT Billings $20,000 $1,000,000/$3,000,000
NC Charlotte $11,000 $1,000,000/$3,000,000
ND Fargo $8,000 $1,000,000/$3,000,000
NE Omaha $4,000 $1,000,000/$3,000,000
NH Manchester $16,000 $1,000,000/$3,000,000
NM** Albuquerque $10,000 + NM PCF $200,000/600,000
NJ Newark $18,000 $1,000,000/$3,000,000
NV Las Vegas $17,000 $1,000,000/$3,000,000
NY Manhattan, NY $45,000 $1,300,000/$3,900,000
OH Columbus $15,000 $1,000,000/$3,000,000
OK Oklahoma City $14,000 $1,000,000/$3,000,000
OR Portland $9,000 $1,000,000/$3,000,000
PA Philadelphia $16,000 + MCARE $500,000/$1,500,000
RI Providence $19,000 $1,000,000/$3,000,000
SC Charleston $12,000 $1,000,000/$3,000,000
SD Sioux Falls $7,000 $1,000,000/$3,000,000
TN Nashville $12,000 $1,000,000/$3,000,000
TX* Houston $9,000 $200,000/$600,000
TX* Houston $14,000 $1,000,000/$3,000,000
UT Salt Lake City $12,000 $1,000,000/$3,000,000
VA Virginia Beach $13,000 $2,500,000/$7,500,000
VT Burlington $12,000 $1,000,000/$3,000,000
WA Seattle $14,000 $1,000,000/$3,000,000
WI Milwaukee $6,000 + PCF $1,000,000/$3,000,000
WV Charleston $22,000 $1,000,000/$3,000,000
WY Cheyenne $16,000 $1,000,000/$3,000,000

*These states offer limit options
** Only Occurrence; no Claims-Made coverage

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