Family Medicine Malpractice Insurance

A Family Medicine Physician With Medical Liability Coverage Caring From A Young Boy And His Mother

Family medicine physicians are considered the most versatile of all specialists and need tailored medical malpractice insurance solutions to match.

  • 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.

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
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, 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 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 fast quote for family medicine medical malpractice insurance.

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