Hospitalist Medical Malpractice Insurance

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Hospitalist With Medical Malpractice Insurance Caring For An Older Female Patient In The Hospital

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.

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 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.

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 $8,000 $1,000,000/$3,000,000
AR Little Rock $8,000 $1,000,000/$3,000,000
AZ Phoenix $12,000 $1,000,000/$3,000,000
CA Los Angeles $7,000 $1,000,000/$3,000,000
CO Denver $10,000 $1,000,000/$3,000,000
CT Bridgeport $12,000 $1,000,000/$4,000,000
DE Wilmington $12,000 $1,000,000/$3,000,000
DC Washington DC $18,000 $1,000,000/$3,000,000
FL* Miami $25,000 $1,000,000/$3,000,000
FL* Miami $18,000 $250,000/$750,000
GA Atlanta $10,000 $1,000,000/$3,000,000
HI Honolulu $10,000 $1,000,000/$3,000,000
IA Des Moines $7,000 $1,000,000/$3,000,000
ID Boise $7,000 $1,000,000/$3,000,000
IL Chicago $20,000 $1,000,000/$3,000,000
KS Wichita $7,000 + KS HCSF $200,000/$600,000
KY Louisville $10,000 $1,000,000/$3,000,000
IN Indianapolis $8,000 + IN PCF $250,000/$750,000
LA New Orleans $8,000 + LA PCF $1,000,000/$3,000,000
MA Boston $12,000 $1,000,000/$3,000,000
MD Baltimore $9,000 $1,000,000/$3,000,000
ME Portland $8,000 $1,000,000/$3,000,000
MI Detroit $17,000 $1,000,000/$3,000,000
MO St. Louis $10,000 $1,000,000/$3,000,000
MN Minneapolis $7,000 $1,000,000/$3,000,000
MS Jackson $10,000 $1,000,000/$3,000,000
MT Billings $10,000 $1,000,000/$3,000,000
NC Charlotte $5,000 $1,000,000/$3,000,000
ND Fargo $5,000 $1,000,000/$3,000,000
NE Omaha $8,000 $1,000,000/$3,000,000
NH Manchester $15,000 $1,000,000/$3,000,000
NM** Albuquerque $15,000 + NM PCF $200,000/600,000
NJ Newark $15,000 $1,000,000/$3,000,000
NV Las Vegas $15,000 $1,000,000/$3,000,000
NY Manhattan, NY $35,000 $1,300,000/$3,900,000
OH Columbus $10,000 $1,000,000/$3,000,000
OK Oklahoma City $8,000 $1,000,000/$3,000,000
OR Portland $8,000 $1,000,000/$3,000,000
PA Philadelphia $15,000 + MCARE $500,000/$1,500,000
RI Providence $8,000 $1,000,000/$3,000,000
SC Charleston $7,000 $1,000,000/$3,000,000
SD Sioux Falls $5,000 $1,000,000/$3,000,000
TN Nashville $7,000 $1,000,000/$3,000,000
TX* Houston $7,000 $200,000/$600,000
TX* Houston $10,000 $1,000,000/$3,000,000
UT Salt Lake City $7,000 $1,000,000/$3,000,000
VA Virginia Beach $10,000 $2,500,000/$7,500,000
VT Burlington $7,000 $1,000,000/$3,000,000
WA Seattle $7,000 $1,000,000/$3,000,000
WI Milwaukee $7,000 + PCF $1,000,000/$3,000,000
WV Charleston $10,000 $1,000,000/$3,000,000
WY Cheyenne $10,000 $1,000,000/$3,000,000

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

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