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* Family physicians are the only specialists qualified to treat most ailments and provide comprehensive health care for people of all ages - ** Family doctors provide the majority of care for the country’s underserved urban and rural populations - ** Nearly half of family physicians have been named in at least one malpractice lawsuit - ** On average, a family physician will experience a malpractice suit once every 7-10 years 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. [Get Quote](#quote) ## 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](#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: - ** Failure to diagnose / Delayed diagnosis - ** Poor outcome or disease progression - ** Failure to treat / Delayed treatment **According to the [American Academy of Family Physicians](https://www.aafp.org/fpm/2000/1000/p33.html), 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: - ** Monetary damages awarded to the plaintiff - ** Attorney’s fees 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](https://www.medscape.com/slideshow/2019-malpractice-report-fm-6012446#11) maintaining malpractice insurance coverage. Canceled or Non-Renewed? MEDPLI Is Your Best Ally. Don’t settle for inadequate coverage and exorbitant rates. Even when you are denied coverage, our insurance brokers can find you the right malpractice insurance solution at the lowest possible rate. [GET A QUOTE](#quote) ## GET QUOTE #### Get a fast quote for family medicine medical malpractice insurance. 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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Through our A-rated insurance partners, we provide insurance solutions to doctors and healthcare providers in the United States. - [ Home](https://medpli.com/) - [ Services](https://medpli.com/products-services/)[ Telemedicine Insurance](https://medpli.com/?page_id=1698) - [ Tail Insurance](https://medpli.com/products-services/tail-malpractice-insurance/) - [ Private Practice Insurance](https://medpli.com/products-services/private-practice-insurance/) - [ Medical Practice Risk Assessment](https://medpli.com/products-services/medical-practice-risk-assessment/) - [ Medical Facility Insurance](https://medpli.com/products-services/medical-facility-insurance/) - [ Group Insurance](https://medpli.com/products-services/group-medical-malpractice-insurance/) - [ Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/) - [ Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/) - [ Specialties](https://medpli.com/specialties/)[ Anesthesiologists](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/) - [ Bariatric Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-bariatric-surgeons/) - [ Cardiologists](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) - [ Dermatologists](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/) - [ Family Medicine](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/) - [ Gastroenterologists](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/) - [ General Surgeons](https://medpli.com/specialties/malpractice-insurance-general-surgeons/) - [ Hospitalists](https://medpli.com/specialties/hospitalist-medical-malpractice-insurance/) - [ Internists](https://medpli.com/specialties/internist-medical-malpractice-insurance/) - [ Ketamine Infusion Therapy](https://medpli.com/specialties/ketamine-infusion-malpractice-insurance/) - [ Medical Spas](https://medpli.com/specialties/medical-spa-malpractice-insurance/) - [ Neurologists](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/) - [ Neurosurgeons](https://medpli.com/specialties/malpractice-insurance-neurosurgeons/) - [ OB/GYNs](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) - [ Orthopedic Surgeons](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons-new/) - [ Otolaryngologists](https://medpli.com/specialties/otolaryngologist-medical-malpractice-insurance/) - [ Plastic Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-plastic-surgeons/) - [ Psychiatrists](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) - [ Radiologists](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/) - [ State Buying Guides](https://medpli.com/states/) - [ About](https://medpli.com/about-us/)[ Staff](https://medpli.com/about-our-staff/) - News & Blog[ In The News](https://medpli.com/news/) - [ Privacy Policy](https://medpli.com/privacy-policy/) - [ Contact Us](https://medpli.com/contact-us/) Telephone: [800-969-1339](tel:800-969-1339) Email: [info@medpli.com](mailto:info@medpli.com) MEDPLI Insurance Services 1740 Innovation Drive, Ste. 44 Carbondale, IL 62903 [](https://medpli.epaypolicy.com/) *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. 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.EmailSubmit CLOSE [ Go to Top ](#)