Malpractice Insurance for Neurosurgeons

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A Neurosurgeon With Medical Malpractice Insurance Holds A Model Of The Spine

Neurosurgeons need strong medical malpractice insurance policies due to the high-risk nature of their specialty.

A study by the New England Journal of Medicine found that neurosurgeons are sued more often than any other physician, with 19% of neurosurgeons facing a claim annually and 80% expected to encounter a claim in their career. While they are well compensated for the complexity of the surgeries they perform, neurosurgeons also experience medical malpractice insurance premiums that are among the highest of any specialty.

MEDPLI works with A-rated carriers that offer great rates on medical malpractice insurance for neurosurgeons. With us, you will get robust protection and save thousands of dollars on your premium each year.

Why Neurosurgeons Need Medical Malpractice Insurance

Neurosurgery is one of the most frequently sued specialties. Neurosurgeons tend to be sued for:

  • Surgical error (lumbar laminectomies for discectomies, posterior cervical laminectomies, and lumbar decompression for stenosis)

  • Misdiagnosis

  • Delayed diagnosis/treatment

  • Unnecessary surgery

  • Improper post-op care

Most neurosurgery malpractice claims result from dissatisfaction following spinal surgery, although claims after cranial surgery tend to be more expensive. Continued pain, permanent paralysis, nerve damage, the need for additional surgery, and infection are among the most common complaints in lawsuits.

Neurosurgery malpractice payouts are higher than most specialties. According to Top Neuro Docs, from 2006 to 2016 “the average payment for cases that settled was $379,860, the average award for cases tried was $405,350” and it is “estimated that 11 years of a surgeon’s career is spent with a malpractice claim outstanding”.

Though many states have caps on non-economic damages, most states do not have a cap on economic costs caused by the injury. Neurosurgeons also must consider the cost of hiring an attorney when a malpractice case is brought against them.

Because neurosurgeons have a high potential of being sued, it is important they carry robust medical malpractice insurance from A-rated carriers. An A-rated carrier (rated by A.M. Best) will be able to cover:

  • Monetary damages awarded to the plaintiff

  • Attorney’s fees

Though many (not all) states have no legal requirement for neurosurgeons to carry malpractice insurance, most hospitals require it if you want admitting privileges.

Neurosurgeon Medical Malpractice Insurance Rates

Costly medical malpractice insurance premiums for neurosurgeons have a direct effect on the practice of the specialty. Surveys show that neurosurgeons limit the type of care they provide out of fear of malpractice lawsuits, and rising insurance premiums are causing many specialists to consider early retirement. With so much at risk, neurosurgeons need to periodically re-evaluate their current malpractice insurance program with a broker to ensure they have the right coverage at the lowest available rates.

Rates for medical malpractice insurance for neurosurgeons are also heavily impacted by the physician’s location. See below for average rates by location for neurosurgeons. 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.

City State Premium Estimate Limits of Liability
Birmingham AL $50,000 $1,000,000/$3,000,000
Little Rock AR $55,000 $1,000,000/$3,000,000
Phoenix AZ $70,000 $1,000,000/$3,000,000
Los Angeles CA $55,000 $1,000,000/$3,000,000
Denver CO $65,000 $1,000,000/$3,000,000
Bridgeport CT $80,000 $1,000,000/$4,000,000
Wilmington DE $85,000 $1,000,000/$3,000,000
Washington DC $125,000 $1,000,000/$3,000,000
Miami FL* $105,000 $1,000,000/$3,000,000
Miami FL* $85,000 $250,000/$750,000
Atlanta GA $75,000 $1,000,000/$3,000,000
Honolulu HI $65,000 $1,000,000/$3,000,000
Des Moines IA $45,000 $1,000,000/$3,000,000
Boise ID $40,000 $1,000,000/$3,000,000
Chicago IL $125,000 $1,000,000/$3,000,000
Wichita KS $40,000 + KS HCSF $200,000/$600,000
Louisville KY $80,000 $1,000,000/$3,000,000
Indianapolis IN $40,000 + IN PCF $250,000/$750,000
New Orleans LA $45,000 + LA PCF $100,000/$300,000
Boston MA $80,000 $1,000,000/$3,000,000
Baltimore MD $115,000 $1,000,000/$3,000,000
Portland ME $55,000 $1,000,000/$3,000,000
Detroit MI $100,000 $1,000,000/$3,000,000
St. Louis MO $80,000 $1,000,000/$3,000,000
Minneapolis MN $40,000 $1,000,000/$3,000,000
Jackson MS $90,000 $1,000,000/$3,000,000
Billings MT $85,000 $1,000,000/$3,000,000
Charlotte NC $65,000 $1,000,000/$3,000,000
Fargo ND $45,000 $1,000,000/$3,000,000
Omaha NE $35,000 $1,000,000/$3,000,000
Manchester NH $65,000 $1,000,000/$3,000,000
Albuquerque NM $55,000 + NM PCF $200,000/600,000 (Only Occurrence; no Claims-Made coverage)
Newark NJ $95,000 $1,000,000/$3,000,000
Las Vegas NV $85,000 $1,000,000/$3,000,000
Manhattan, NY NY $200,000 $1,300,000/$3,900,000
Columbus OH $85,000 $1,000,000/$3,000,000
Oklahoma City OK $70,000 $1,000,000/$3,000,000
Portland OR $50,000 $1,000,000/$3,000,000
Philadelphia PA $85,000 + MCARE $500,000/$1,500,000
Providence RI $65,000 $1,000,000/$3,000,000
Charleston SC $65,000 $1,000,000/$3,000,000
Sioux Falls SD $35,000 $1,000,000/$3,000,000
Nashville TN $60,000 $1,000,000/$3,000,000
Houston TX* $40,000 $200,000/$600,000
Houston TX* $55,000 $1,000,000/$3,000,000
Salt Lake City UT $65,000 $1,000,000/$3,000,000
Burlington VT $50,000 $1,000,000/$3,000,000
Seattle WA $60,000 $1,000,000/$3,000,000
Virginia Beach VA $75,000 $2,450,000/$7,350,000
Milwaukee WI $35,000 + PCF $1,000,000/$3,000,000
Charleston
WV $90,000 $1,000,000/$3,000,000
Cheyenne WY $85,000 $1,000,000/$3,000,000

*These states offer limit options

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