Cardiologists deliver a wide variety of care and need customized medical malpractice insurance solutions that consider their practice’s diversity.
Interventional cardiologists, electrophysiologists, and other cardiac specialists are more likely to face a lawsuit than many other types of doctors.
The surest way to protect yourself from lawsuit damages and attorney fees is by maintaining comprehensive medical malpractice insurance from an A-rated carrier. MEDPLI helps cardiologists save up to 28% on their insurance premiums. Contact us today to get a quote for your cardiologist medical malpractice insurance.
Cardiologist Medical Malpractice Insurance Rates
All cardiologists should review their policy with a qualified insurance broker to ensure that the correct medical malpractice coverage is in place for invasive, noninvasive, and/or interventional cardiology services.
Rates for cardiologist medical malpractice insurance vary widely by location and every practice is unique. Mature claims-made estimates below are for informational purposes only. Occurrence coverage may be available. Request a quote from MEDPLI today to explore occurrence and claims coverage options.
| State | City | Premium Estimate | Limits of Liability |
|---|---|---|---|
| AL | Birmingham | $20,000 | $1,000,000/$3,000,000 |
| AR | Little Rock | $20,000 | $1,000,000/$3,000,000 |
| AZ | Phoenix | $25,000 | $1,000,000/$3,000,000 |
| CA | Los Angeles | $20,000 | $1,000,000/$3,000,000 |
| CO | Denver | $25,000 | $1,000,000/$3,000,000 |
| CT | Bridgeport | $25,000 | $1,000,000/$4,000,000 |
| DE | Wilmington | $25,000 | $1,000,000/$3,000,000 |
| DC | Washington DC | $35,000 | $1,000,000/$3,000,000 |
| FL* | Miami | $40,000 | $1,000,000/$3,000,000 |
| FL* | Miami | $30,000 | $250,000/$750,000 |
| GA | Atlanta | $25,000 | $1,000,000/$3,000,000 |
| HI | Honolulu | $25,000 | $1,000,000/$3,000,000 |
| IA | Des Moines | $20,000 | $1,000,000/$3,000,000 |
| ID | Boise | $20,000 | $1,000,000/$3,000,000 |
| IL | Chicago | $40,000 | $1,000,000/$3,000,000 |
| KS | Wichita | $20,000 + KS HCSF | $200,000/$600,000 |
| KY | Louisville | $25,000 | $1,000,000/$3,000,000 |
| IN | Indianapolis | $20,000 + IN PCF | $250,000/$750,000 |
| LA | New Orleans | $20,000 + LA PCF | $1,000,000/$3,000,000 |
| MA | Boston | $25,000 | $1,000,000/$3,000,000 |
| MD | Baltimore | $30,000 | $1,000,000/$3,000,000 |
| ME | Portland | $20,000 | $1,000,000/$3,000,000 |
| MI | Detroit | $30,000 | $1,000,000/$3,000,000 |
| MO | St. Louis | $25,000 | $1,000,000/$3,000,000 |
| MN | Minneapolis | $20,000 | $1,000,000/$3,000,000 |
| MS | Jackson | $25,000 | $1,000,000/$3,000,000 |
| MT | Billings | $25,000 | $1,000,000/$3,000,000 |
| NC | Charlotte | $15,000 | $1,000,000/$3,000,000 |
| ND | Fargo | $15,000 | $1,000,000/$3,000,000 |
| NE | Omaha | $20,000 | $1,000,000/$3,000,000 |
| NH | Manchester | $30,000 | $1,000,000/$3,000,000 |
| NM** | Albuquerque | $30,000 + NM PCF | $200,000/600,000 |
| NJ | Newark | $30,000 | $1,000,000/$3,000,000 |
| NV | Las Vegas | $30,000 | $1,000,000/$3,000,000 |
| NY | Manhattan, NY | $55,000 | $1,300,000/$3,900,000 |
| OH | Columbus | $25,000 | $1,000,000/$3,000,000 |
| OK | Oklahoma City | $20,000 | $1,000,000/$3,000,000 |
| OR | Portland | $20,000 | $1,000,000/$3,000,000 |
| PA | Philadelphia | $30,000 + MCARE | $500,000/$1,500,000 |
| RI | Providence | $20,000 | $1,000,000/$3,000,000 |
| SC | Charleston | $20,000 | $1,000,000/$3,000,000 |
| SD | Sioux Falls | $15,000 | $1,000,000/$3,000,000 |
| TN | Nashville | $20,000 | $1,000,000/$3,000,000 |
| TX* | Houston | $20,000 | $200,000/$600,000 |
| TX* | Houston | $25,000 | $1,000,000/$3,000,000 |
| UT | Salt Lake City | $20,000 | $1,000,000/$3,000,000 |
| VA | Virginia Beach | $25,000 | $2,500,000/$7,500,000 |
| VT | Burlington | $20,000 | $1,000,000/$3,000,000 |
| WA | Seattle | $20,000 | $1,000,000/$3,000,000 |
| WI | Milwaukee | $20,000 + PCF | $1,000,000/$3,000,000 |
| WV | Charleston | $25,000 | $1,000,000/$3,000,000 |
| WY | Cheyenne | $25,000 | $1,000,000/$3,000,000 |
*These states offer limit options
** Only Occurrence; no Claims-Made coverage
Why Cardiologists Need Medical Malpractice Insurance
Because of the diversity of the specialty, common cardiology malpractice claims include both diagnostic and procedural allegations. Cardiologists tend to be sued for:
According to a Medscape survey from 2019, cardiologists involved in a malpractice lawsuit reported that it took between 1-5 years to fully resolve the claim. When asked what they would do differently in the future, the top two responses cited were:
The right medical malpractice insurance will ensure that you and your practice are protected from numerous factors in the event of a malpractice claim. These are:
Many states require cardiologists to carry malpractice insurance, but not all. Most hospitals require it if you want admitting privileges.