MEDPLI finds dermatologists quick and easy medical malpractice insurance solutions for a variety of subspecialties, including:
The field of dermatology is not considered a high-risk specialty by professional liability insurers. Therefore, dermatologists are sued less often and enjoy medical malpractice insurance rates that are lower than most other specialties. Still, the best way to protect yourself in the event of a lawsuit is with a medical malpractice insurance policy that covers your unique needs as a dermatologist.
MEDPLI helps dermatologists find fast and competitively priced insurance solutions and can save you up to 28% on your insurance premiums. Contact us today to get a quote for your dermatologist medical malpractice insurance.
Dermatologist Medical Malpractice Insurance Rates
Though not all states have a legal requirement for dermatologists to carry malpractice insurance, the American Academy of Dermatology reports that most dermatologists have per occurrence coverage limits of $1 million.
Rates for dermatologist medical malpractice insurance can vary widely by location. 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 | $16,000 | $1,000,000/$3,000,000 |
| AR | Little Rock | $16,000 | $1,000,000/$3,000,000 |
| AZ | Phoenix | $19,000 | $1,000,000/$3,000,000 |
| CA | Los Angeles | $15,000 | $1,000,000/$3,000,000 |
| CO | Denver | $18,000 | $1,000,000/$3,000,000 |
| CT | Bridgeport | $18,000 | $1,000,000/$4,000,000 |
| DE | Wilmington | $19,000 | $1,000,000/$3,000,000 |
| DC | Washington DC | $34,000 | $1,000,000/$3,000,000 |
| FL* | Miami | $39,000 | $1,000,000/$3,000,000 |
| FL* | Miami | $24,000 | $250,000/$750,000 |
| GA | Atlanta | $18,000 | $1,000,000/$3,000,000 |
| HI | Honolulu | $18,000 | $1,000,000/$3,000,000 |
| IA | Des Moines | $15,000 | $1,000,000/$3,000,000 |
| ID | Boise | $15,000 | $1,000,000/$3,000,000 |
| IL | Chicago | $25,000 | $1,000,000/$3,000,000 |
| KS | Wichita | $15,000 + KS HCSF | $200,000/$600,000 |
| KY | Louisville | $18,000 | $1,000,000/$3,000,000 |
| IN | Indianapolis | $16,000 + IN PCF | $250,000/$750,000 |
| LA | New Orleans | $16,000 + LA PCF | $1,000,000/$3,000,000 |
| MA | Boston | $19,000 | $1,000,000/$3,000,000 |
| MD | Baltimore | $17,000 | $1,000,000/$3,000,000 |
| ME | Portland | $16,000 | $1,000,000/$3,000,000 |
| MI | Detroit | $24,000 | $1,000,000/$3,000,000 |
| MO | St. Louis | $18,000 | $1,000,000/$3,000,000 |
| MN | Minneapolis | $15,000 | $1,000,000/$3,000,000 |
| MS | Jackson | $18,000 | $1,000,000/$3,000,000 |
| MT | Billings | $19,000 | $1,000,000/$3,000,000 |
| NC | Charlotte | $14,000 | $1,000,000/$3,000,000 |
| ND | Fargo | $14,000 | $1,000,000/$3,000,000 |
| NE | Omaha | $16,000 | $1,000,000/$3,000,000 |
| NH | Manchester | $22,000 | $1,000,000/$3,000,000 |
| NM** | Albuquerque | $22,000 + NM PCF | $200,000/600,000 |
| NJ | Newark | $22,000 | $1,000,000/$3,000,000 |
| NV | Las Vegas | $22,000 | $1,000,000/$3,000,000 |
| NY | Manhattan, NY | $35,000 | $1,300,000/$3,900,000 |
| OH | Columbus | $18,000 | $1,000,000/$3,000,000 |
| OK | Oklahoma City | $16,000 | $1,000,000/$3,000,000 |
| OR | Portland | $16,000 | $1,000,000/$3,000,000 |
| PA | Philadelphia | $19,000 + MCARE | $500,000/$1,500,000 |
| RI | Providence | $16,000 | $1,000,000/$3,000,000 |
| SC | Charleston | $15,000 | $1,000,000/$3,000,000 |
| SD | Sioux Falls | $14,000 | $1,000,000/$3,000,000 |
| TN | Nashville | $15,000 | $1,000,000/$3,000,000 |
| TX* | Houston | $15,000 | $200,000/$600,000 |
| TX* | Houston | $17,000 | $1,000,000/$3,000,000 |
| UT | Salt Lake City | $15,000 | $1,000,000/$3,000,000 |
| VA | Virginia Beach | $17,000 | $2,500,000/$7,500,000 |
| VT | Burlington | $15,000 | $1,000,000/$3,000,000 |
| WA | Seattle | $15,000 | $1,000,000/$3,000,000 |
| WI | Milwaukee | $15,000 + PCF | $1,000,000/$3,000,000 |
| WV | Charleston | $17,000 | $1,000,000/$3,000,000 |
| WY | Cheyenne | $17,000 | $1,000,000/$3,000,000 |
*These states offer limit options
** Only Occurrence; no Claims-Made coverage
Why Dermatologists Need Medical Malpractice Insurance
All physicians are at risk of a malpractice claim, and dermatologists are not immune.
When dermatologists are sued it tends to be for errors in procedure and misdiagnosis, including claims related to:
Thankfully, dermatologists are at a lower risk of experiencing a medical malpractice claim than most other specialties. In addition, the annual payout for dermatology malpractice claims is lower than that of most major specialties.
While malpractice claims don’t always lead to court cases, they can lead to stress. The best way for a dermatologist to reduce their risk of a claim starts at the practice level with thorough informed consent, robust documentation, and a caring and honest communication style with patients.
In the event that a lawsuit is brought against you, the right medical malpractice insurance will protect you from multiple factors. These are: