General Surgeon Medical Malpractice Insurance

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A General Surgeon Covered By Comprehensive Medical Malpractice Insurance Preparing Instruments For Surgery

General Surgeons offer high-risk care and need practical medical malpractice insurance policies to ensure their financial protection.

General surgeons are an essential part of the healthcare team and play a critical role in treating common illnesses that can be resolved with surgery. Due to the abundance of malpractice lawsuits and the high-risk nature of surgery, general surgeons tend to pay high malpractice insurance premiums.

The best way to make sure you are protected from the potential financial disaster of a medical malpractice lawsuit is by maintaining robust malpractice insurance from an A-rated carrier.

MEDPLI helps general surgeons find medical malpractice insurance policies tailored to their needs and can save them up to 28% on their insurance premiums.

Why General Surgeons Need Medical Malpractice Insurance

General Surgeons have some of the highest medical liability claim frequencies among physicians. They tend to be sued for abnormal injury, failure to diagnose, and failure to treat. According to Medscape, general surgeons also report being sued for:

  • postoperative infection, pain, bleeding, and embolism

  • injuries occurring during surgery

  • wrongful death

  • actions of other professionals or staff

  • by patients who failed to seek follow-up care

Most physicians will face a lawsuit during their career, and general surgeons are among the most frequently sued. In the Medscape survey, 83% of general surgeons had reported being sued, with 23% reporting they were the only parties named in the suit. In addition, the American Medical Association indicates that the older a physician gets, the more likely they are to experience a malpractice claim, with male general surgeons at a slightly higher risk of a lawsuit.

The right medical malpractice insurance will protect you from multiple factors in the event of a lawsuit. These are:

  • Monetary damages awarded to the plaintiff

  • Attorney’s fees

Federal law does not require surgeons to carry malpractice insurance. Whether or not general surgeons are required to have insurance is dependent upon the state in which they practice, but most hospitals require malpractice insurance if surgeons want admitting privileges.

General Surgeon Medical Malpractice Insurance Rates

Rates for general surgeons tend to cost more than a physician’s average policy but less than other surgical specialties, like neurosurgeons. General surgeon insurance rates are expected to increase due to growing claims payouts and rising legal defense costs. Surgeons should periodically re-evaluate their current malpractice insurance program with a broker to ensure they have the right coverage at the lowest available rates.

Premiums for general surgeons are affected by a variety of factors including types of procedures offered, experience, claims history, and location. Mature claims-made estimates below are for informational purposes only. To get your personalized rate estimate, please request a quote.

State City Premium Estimate Limits of Liability
AL Birmingham $25,000 $1,000,000/$3,000,000
AR Little Rock $25,000 $1,000,000/$3,000,000
AZ Phoenix $40,000 $1,000,000/$3,000,000
CA Los Angeles $30,000 $1,000,000/$3,000,000
CO Denver $40,000 $1,000,000/$3,000,000
CT Bridgeport $35,000 $1,000,000/$4,000,000
DE Wilmington $40,000 $1,000,000/$3,000,000
DC Washington DC $65,000 $1,000,000/$3,000,000
FL* Miami $60,000 $1,000,000/$3,000,000
FL* Miami $45,000 $250,000/$750,000
GA Atlanta $35,000 $1,000,000/$3,000,000
HI Honolulu $40,000 $1,000,000/$3,000,000
IA Des Moines $20,000 $1,000,000/$3,000,000
ID Boise $15,000 $1,000,000/$3,000,000
IL Chicago $75,000 $1,000,000/$3,000,000
KS Wichita $20,000 + KS HCSF $200,000/$600,000
KY Louisville $30,000 $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 $35,000 $1,000,000/$3,000,000
MD Baltimore $50,000 $1,000,000/$3,000,000
ME Portland $25,000 $1,000,000/$3,000,000
MI Detroit $50,000 $1,000,000/$3,000,000
MO St. Louis $40,000 $1,000,000/$3,000,000
MN Minneapolis $15,000 $1,000,000/$3,000,000
MS Jackson $45,000 $1,000,000/$3,000,000
MT Billings $50,000 $1,000,000/$3,000,000
NC Charlotte $25,000 $1,000,000/$3,000,000
ND Fargo $15,000 $1,000,000/$3,000,000
NE Omaha $15,000 $1,000,000/$3,000,000
NH Manchester $40,000 $1,000,000/$3,000,000
NM** Albuquerque $25,000 + NM PCF $200,000/600,000
NJ Newark $45,000 $1,000,000/$3,000,000
NV Las Vegas $40,000 $1,000,000/$3,000,000
NY Manhattan, NY $115,000 $1,300,000/$3,900,000
OH Columbus $40,000 $1,000,000/$3,000,000
OK Oklahoma City $35,000 $1,000,000/$3,000,000
OR Portland $20,000 $1,000,000/$3,000,000
PA Philadelphia $40,000 + MCARE $500,000/$1,500,000
RI Providence $30,000 $1,000,000/$3,000,000
SC Charleston $30,000 $1,000,000/$3,000,000
SD Sioux Falls $15,000 $1,000,000/$3,000,000
TN Nashville $30,000 $1,000,000/$3,000,000
TX* Houston $20,000 $200,000/$600,000
TX* Houston $30,000 $1,000,000/$3,000,000
UT Salt Lake City $30,000 $1,000,000/$3,000,000
VA Virginia Beach $30,000 $2,500,000/$7,500,000
VT Burlington $20,000 $1,000,000/$3,000,000
WA Seattle $30,000 $1,000,000/$3,000,000
WI Milwaukee $15,000 + PCF $1,000,000/$3,000,000
WV Charleston $50,000 $1,000,000/$3,000,000
WY Cheyenne $40,000 $1,000,000/$3,000,000

*These states offer limit options
** Only Occurrence; no Claims-Made coverage


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