Malpractice Insurance for Florida Orthopedic Surgeons

Two Male Florida Orthopedic Surgeons Review Patient Records On A Tablet

Orthopedic surgeons in Florida need comprehensive insurance policies to reduce their risk of steep medical malpractice payouts.

In 2020, a jury for a medical malpractice wrongful death suit found two orthopedic surgeons responsible for the death of a Florida woman when she developed a deep vein thrombosis after suffering from a fractured ankle, with one surgeon found 5% liable and another found 95% liable. The jury awarded $30 million to the decedent’s husband for past and future mental pain and suffering and loss of companionship.

If you are an orthopedic surgeon in Florida and you need medical liability insurance, contact MEDPLI. We help match physicians with A-rated carriers that provide comprehensive legal and financial protection for their policyholders, and we can save you up to 28% on your rates.

Why Florida Orthopedists need Medical Malpractice Insurance

Orthopedic surgery is one of the most frequently sued specialties in Florida.

Orthopedists tend to be sued for:

  • abnormal injury

  • failure to diagnose

  • failure to treat

  • improperly obtained or unobtained informed consent

  • poor documentation of patient instruction and education

Though significant changes have been made to tort law, Florida has one of the highest loss rates in the country for settling medical malpractice claims. Settling and defending these cases in the state has cost the state 2.9x the national average.

Florida does not have a limit on the amount of compensation a plaintiff can recover for past and future economic damages such as medical care necessitated by the malpractice, lost income, lost future earning capacity, and any other measurable economic losses attributable to the defendant’s malpractice.

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

Orthopedic Surgeon Medical Malpractice Insurance Requirements and Rates in Florida

High-risk specialists like orthopedic surgeons may need policies with limits that are greater than the state’s requirements.

Florida law states that practicing physicians must carry $100,000.00 in malpractice insurance, and if they want hospital staff admitting privileges, they must carry $250,000.00 in coverage.

High-risk medical providers like orthopedic surgeons tend to choose more sizable limits and will generally opt for higher liability policies at $1,000,000.00 per claim/$3,000,000.00 aggregate.

A mature claims-made premium for an orthopedic surgeon practicing in Miami is estimated at $70,000.00, but there are multiple factors that can impact the cost, such as location and claims history. If a doctor has had multiple claims filed against them, it will likely increase the cost of their insurance premium. To get your personalized rate estimate, please request a quote.

City Premium Estimate
Miami $70,000
Jacksonville $50,000
Tampa $35,000
Orlando $35,000
St. Petersburg $35,000
Port St. Lucie $45,000
Tallahassee $35,000
Cape Coral $35,000
Ft. Lauderdale $65,000

How to Find the Best Orthopedic Surgeon Medical Malpractice Insurance Providers and Policies in Florida

Some of the top malpractice insurance carrier options for Florida orthopedic surgeons include:

  • The Doctors Company

  • Medical Protective

  • Aspen American Insurance Company


  • Lone Star Alliance, RRG

  • NORCAL Group

  • Coverys Group

Each of these carriers has an AM Best rating of “A- (Excellent)” or better.

  • $1,000,000 each claim/$3,000,000 aggregate
  • $500,000 each claim/$1,500,000 aggregate
  • $250,000 each claim/$750,000 aggregate
  • Incident Sensitive Claim Trigger
  • Consent to Settle – no hammer clause
  • Defense Costs in addition to the limits of liability
  • Free tail coverage for death, disability, retirement
  • Deductible should be $0 for most individuals with a good claims history
  • Interest-free payments
  • Automatic payments help avoid lapse in coverage
  • Monthly, Quarterly, or pay-in full

The best way to ensure you get a policy that suits your coverage needs at a competitive rate is to use the services of an independent broker who specializes in medical malpractice insurance. You will save time filling out applications and you will get to compare quotes with the help of an expert. We recommend starting to shop for coverage no less than 30 days prior to your new coverage effective date, and we can fast-track your quotes if necessary.

At MEDPLI, we are champions of private practice and love to help our clients succeed in launching, growing, and maintaining their private surgical practices in Florida.


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