Medical malpractice insurance is unique for hospitalists.
While a relatively new field of medicine, research already shows that hospitalists:
Hospitalists tend to pay lower premiums for medical malpractice insurance than most other providers, but the mobile nature of their practice means they need to be especially vigilant about gaps in insurance coverage.
The right medical malpractice insurance from an A-rated carrier is the surest way to protect yourself from gaps in coverage, lawsuit damages, attorney fees, and more. Contact us today to learn more about the different types of policies available or to get a quote for your hospitalist medical malpractice insurance.
Hospitalist Medical Malpractice Insurance Rates
Most hospitalists are covered by institutional or group employers. Hospitalists may need individual medical malpractice policies when they are practicing part time or when they are moonlighting (and have coverage through another carrier). The best way to ensure you have the right coverage in place is by consulting with an independent insurance broker like MEDPLI.
Rates for hospitalist medical malpractice insurance can vary widely by a number of factors, including location, type of procedures performed, previous claims history and more. 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 | $18,000 | $1,000,000/$3,000,000 |
| AR | Little Rock | $18,000 | $1,000,000/$3,000,000 |
| AZ | Phoenix | $22,000 | $1,000,000/$3,000,000 |
| CA | Los Angeles | $17,000 | $1,000,000/$3,000,000 |
| CO | Denver | $20,000 | $1,000,000/$3,000,000 |
| CT | Bridgeport | $22,000 | $1,000,000/$4,000,000 |
| DE | Wilmington | $22,000 | $1,000,000/$3,000,000 |
| DC | Washington DC | $28,000 | $1,000,000/$3,000,000 |
| FL* | Miami | $35,000 | $1,000,000/$3,000,000 |
| FL* | Miami | $28,000 | $250,000/$750,000 |
| GA | Atlanta | $20,000 | $1,000,000/$3,000,000 |
| HI | Honolulu | $20,000 | $1,000,000/$3,000,000 |
| IA | Des Moines | $17,000 | $1,000,000/$3,000,000 |
| ID | Boise | $17,000 | $1,000,000/$3,000,000 |
| IL | Chicago | $30,000 | $1,000,000/$3,000,000 |
| KS | Wichita | $17,000 + KS HCSF | $200,000/$600,000 |
| KY | Louisville | $20,000 | $1,000,000/$3,000,000 |
| IN | Indianapolis | $18,000 + IN PCF | $250,000/$750,000 |
| LA | New Orleans | $18,000 + LA PCF | $1,000,000/$3,000,000 |
| MA | Boston | $22,000 | $1,000,000/$3,000,000 |
| MD | Baltimore | $19,000 | $1,000,000/$3,000,000 |
| ME | Portland | $18,000 | $1,000,000/$3,000,000 |
| MI | Detroit | $27,000 | $1,000,000/$3,000,000 |
| MO | St. Louis | $20,000 | $1,000,000/$3,000,000 |
| MN | Minneapolis | $17,000 | $1,000,000/$3,000,000 |
| MS | Jackson | $20,000 | $1,000,000/$3,000,000 |
| MT | Billings | $20,000 | $1,000,000/$3,000,000 |
| NC | Charlotte | $15,000 | $1,000,000/$3,000,000 |
| ND | Fargo | $15,000 | $1,000,000/$3,000,000 |
| NE | Omaha | $18,000 | $1,000,000/$3,000,000 |
| NH | Manchester | $25,000 | $1,000,000/$3,000,000 |
| NM** | Albuquerque | $25,000 + NM PCF | $200,000/600,000 |
| NJ | Newark | $25,000 | $1,000,000/$3,000,000 |
| NV | Las Vegas | $25,000 | $1,000,000/$3,000,000 |
| NY | Manhattan, NY | $45,000 | $1,300,000/$3,900,000 |
| OH | Columbus | $20,000 | $1,000,000/$3,000,000 |
| OK | Oklahoma City | $18,000 | $1,000,000/$3,000,000 |
| OR | Portland | $18,000 | $1,000,000/$3,000,000 |
| PA | Philadelphia | $25,000 + MCARE | $500,000/$1,500,000 |
| RI | Providence | $18,000 | $1,000,000/$3,000,000 |
| SC | Charleston | $17,000 | $1,000,000/$3,000,000 |
| SD | Sioux Falls | $15,000 | $1,000,000/$3,000,000 |
| TN | Nashville | $17,000 | $1,000,000/$3,000,000 |
| TX* | Houston | $17,000 | $200,000/$600,000 |
| TX* | Houston | $20,000 | $1,000,000/$3,000,000 |
| UT | Salt Lake City | $17,000 | $1,000,000/$3,000,000 |
| VA | Virginia Beach | $20,000 | $2,500,000/$7,500,000 |
| VT | Burlington | $17,000 | $1,000,000/$3,000,000 |
| WA | Seattle | $17,000 | $1,000,000/$3,000,000 |
| WI | Milwaukee | $17,000 + PCF | $1,000,000/$3,000,000 |
| WV | Charleston | $20,000 | $1,000,000/$3,000,000 |
| WY | Cheyenne | $20,000 | $1,000,000/$3,000,000 |
*These states offer limit options
** Only Occurrence; no Claims-Made coverage
Why Hospitalists Need Medical Malpractice Insurance
All physicians are at risk of experiencing a medical malpractice claim.
While the likelihood of facing a lawsuit is low for hospitalists, research shows that they tend to be sued for:
The right medical malpractice insurance will protect you from multiple factors in the event of a lawsuit. These are:
Tail Insurance For Hospitalists
Hospitalists change jobs more frequently than other providers. For this reason, they need to pre-determine whether or not they will need tail insurance should they choose to leave their employment situation.
When considering a job offer or switching to a new insurance policy, hospitalists should ask the following questions:
If you need tail insurance, you should first get a tail quote from your current carrier, which might be your employer’s carrier. Then contact MEDPLI to work with a hospitalist insurance specialist. We often save clients a substantial amount of money by shopping for a more affordable standalone tail.