Family medicine physicians are considered the most versatile of all specialists and need tailored medical malpractice insurance solutions to match.
Having the right medical malpractice insurance from an A-rated carrier is the surest way to protect you and your family medicine practice from lawsuit damages, attorney fees, and more.
MEDPLI helps family medicine physicians save up to 28% on their insurance premiums. Contact us today to get a quote for your family medicine medical malpractice insurance.
Family Medicine Medical Malpractice Insurance Rates
Medical malpractice insurance premiums for family physicians vary greatly based on the location and focus of the practice. Premiums are higher for family doctors that practice obstetrics or perform other invasive procedures than those who do not.
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.
| City | State | Premium Estimate | Limits of Liability |
|---|---|---|---|
| Birmingham | AL | $18,000 | $1,000,000/$3,000,000 |
| Little Rock | AR | $18,000 | $1,000,000/$3,000,000 |
| Phoenix | AZ | $22,000 | $1,000,000/$3,000,000 |
| Los Angeles | CA | $17,000 | $1,000,000/$3,000,000 |
| Denver | CO | $20,000 | $1,000,000/$3,000,000 |
| Bridgeport | CT | $22,000 | $1,000,000/$4,000,000 |
| Wilmington | DE | $22,000 | $1,000,000/$3,000,000 |
| Washington DC | $28,000 | $1,000,000/$3,000,000 | |
| Miami | FL* | $25,000 | $1,000,000/$3,000,000 |
| Miami | FL* | $28,000 | $250,000/$750,000 |
| Atlanta | GA | $20,000 | $1,000,000/$3,000,000 |
| Honolulu | HI | $20,000 | $1,000,000/$3,000,000 |
| Des Moines | IA | $17,000 | $1,000,000/$3,000,000 |
| Boise | ID | $17,000 | $1,000,000/$3,000,000 |
| Chicago | IL | $30,000 | $1,000,000/$3,000,000 |
| Wichita | KS | $17,000 + KS HCSF | $200,000/$600,000 |
| Louisville | KY | $20,000 | $1,000,000/$3,000,000 |
| Indianapolis | IN | $18,000 + IN PCF | $250,000/$750,000 |
| New Orleans | LA | $18,000 + LA PCF | $100,000/$300,000 |
| Boston | MA | $22,000 | $1,000,000/$3,000,000 |
| Baltimore | MD | $19,000 | $1,000,000/$3,000,000 |
| Portland | ME | $18,000 | $1,000,000/$3,000,000 |
| Detroit | MI | $27,000 | $1,000,000/$3,000,000 |
| St. Louis | MO | $20,000 | $1,000,000/$3,000,000 |
| Minneapolis | MN | $17,000 | $1,000,000/$3,000,000 |
| Jackson | MS | $20,000 | $1,000,000/$3,000,000 |
| Billings | MT | $20,000 | $1,000,000/$3,000,000 |
| Charlotte | NC | $15,000 | $1,000,000/$3,000,000 |
| Fargo | ND | $15,000 | $1,000,000/$3,000,000 |
| Omaha | NE | $18,000 | $1,000,000/$3,000,000 |
| Manchester | NH | $25,000 | $1,000,000/$3,000,000 |
| Albuquerque | NM | $25,000 + NM PCF | $200,000/600,000 (Only Occurrence; no Claims-Made coverage) |
| Newark | NJ | $25,000 | $1,000,000/$3,000,000 |
| Las Vegas | NV | $25,000 | $1,000,000/$3,000,000 |
| Manhattan, NY | NY | $345,000 | $1,300,000/$3,900,000 |
| Columbus | OH | $20,000 | $1,000,000/$3,000,000 |
| Oklahoma City | OK | $18,000 | $1,000,000/$3,000,000 |
| Portland | OR | $18,000 | $1,000,000/$3,000,000 |
| Philadelphia | PA | $25,000 + MCARE | $500,000/$1,500,000 |
| Providence | RI | $18,000 | $1,000,000/$3,000,000 |
| Charleston | SC | $17,000 | $1,000,000/$3,000,000 |
| Sioux Falls | SD | $15,000 | $1,000,000/$3,000,000 |
| Nashville | TN | $17,000 | $1,000,000/$3,000,000 |
| Houston | TX* | $17,000 | $200,000/$600,000 |
| Houston | TX* | $20,000 | $1,000,000/$3,000,000 |
| Salt Lake City | UT | $17,000 | $1,000,000/$3,000,000 |
| Burlington | VT | $17,000 | $1,000,000/$3,000,000 |
| Seattle | WA | $17,000 | $1,000,000/$3,000,000 |
| Virginia Beach | VA | $120,000 | $2,450,000/$7,350,000 |
| Milwaukee | WI | $17,000 + PCF | $1,000,000/$3,000,000 |
|
Charleston
|
WV | $20,000 | $1,000,000/$3,000,000 |
| Cheyenne | WY | $20,000 | $1,000,000/$3,000,000 |
*These states offer limit options
Why Family Medicine Physicians Need Medical Malpractice Insurance
Although family medicine doctors build strong community relationships and are cherished by generations of patients, they still face the risk of a malpractice claim.
Family Medicine Doctors tend to be sued for:
According to the American Academy of Family Physicians, myocardial infarction, breast cancer, appendicitis, lung cancer and colon cancer diagnoses are associated with the highest risk of malpractice suits.
Family medicine is based on the treatment of the patient as a whole. Maintaining a warm and compassionate relationship with patients is not only a necessary part of their care, it can also reduce the likelihood of a medical malpractice claim. For doctors facing a claim, robust chart documentation, including advice you gave the patient, the thought process behind your diagnosis and your follow-up plan will go a long way to protect your reputation as a careful and caring practitioner.
The right medical malpractice insurance will also protect you in the event of a lawsuit. Malpractice Insurance covers:
Though many (not all) states have no legal requirement for family physicians to carry malpractice insurance, most hospitals require it if you want admitting privileges. In 2019, 91% of family medicine doctors reported maintaining malpractice insurance coverage.