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			Hospitalist Medical Malpractice Insurance[Max Schloemann](https://medpli.com/author/max-schloemann/)2024-02-20T14:23:28-06:00						
				
# Hospitalist Medical Malpractice Insurance
- [Home](https://medpli.com)
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- Hospitalist Medical Malpractice Insurance
[GET QUOTE](#quote)
## Medical malpractice insurance is unique for hospitalists.
While a relatively new field of medicine, research already shows that hospitalists:

- *
reduce the length of hospital stays

- **
increase patient safety, and

- **
provide more efficient care for hospitalized patients

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.

[Get Quote](#quote)
## 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](#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:

- **
Missed or failed diagnosis

- **
Improper management of treatment

- **
Improper medication management

- **
Ordering errors

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

**
## 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](https://medpli.com/what-is-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:

- **
Is the malpractice insurance policy offered a [“claims made” or a “claims paid”](https://medpli.com/claims-made-vs-claims-paid-medical-malpractice-insurance/#:~:text=The%20difference%20is%20significant%3A%20claims,the%20carrier%20has%20more%20control.) policy?

- **
Will I need tail coverage when I leave?

- **
If so, who is responsible for paying for my tail?

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](https://medpli.com/contact-us/) to work with a hospitalist insurance specialist. We often save clients a substantial amount of money by shopping for a more affordable standalone tail.

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 hospitalist medical malpractice insurance.

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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.

		

				
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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.

		

				
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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.

		

				
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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.
		

				
							
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Tail coverage protects doctors against any future claims that have yet to be reported.
		

				
							
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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

		

				
							
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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

		

				
							
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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.

		

				
							
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				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.
			

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