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[Press](https://medpli.com/news/) - [GET QUOTE](https://medpli.com/get-your-medical-malpractice-insurance-quote/) menu- [Services](https://medpli.com/products-services/) - [Specialties](https://medpli.com/specialties/) - [State Buying Guides](https://medpli.com/states/) - [About](https://medpli.com/about-us/) - News & Blog[Blog](https://medpli.com/medical-malpractice-insurance-blog/) - [In The News](https://medpli.com/news/) - [Get Quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/) [](tel:1-800-969-1339) [1-800-969-1339](tel:1-800-969-1339) [](https://medpli.com/get-your-medical-malpractice-insurance-quote/) [GET A FREE QUOTE](https://medpli.com/#quote) Malpractice Insurance for Orthopedic Surgeons[Marcie Lord](https://medpli.com/author/marcie/)2026-06-11T16:03:52-05:00 - [Home](https://medpli.com) - [Specialties](https://medpli.com/specialties/) - Malpractice Insurance for Orthopedic Surgeons # Medical Malpractice Insurance for Orthopedic Surgeons ## Medical Malpractice Insurance for Orthopedic Surgeons Save up to 23% on comprehensive coverage from an AM Best ‘A’-rated carrier. [Get a free Quote](#quote) ## Why Orthopedic Surgeons Pay More for Malpractice Insurance Orthopedic surgery is inherently high-risk. The volume and complexity of procedures lead to one of the highest malpractice claim rates among all specialties. Large payouts, [especially those involving professional athletes](https://aorthopartners.com/white-paper-a-fresh-look-at-professional-liability-in-orthopedics-given-recent-extraordinary-judgements-in-sports-medicine/#:~:text=Given%20recent%20enormous%20judgments%20awarded%20to%20professional%20athletes), have also driven malpractice premiums up for orthopedic surgeons. At MEDPLI, we shop A-rated carriers on your behalf to find tailored coverage at a competitive price. Get your quick quote here. ### Get a Free 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. Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.WebsiteSubmit 0%Percent of orthopedic surgeons who have been sued at least once *according to a *[*2023 American Medical Association report ***](https://www.ama-assn.org/system/files/policy-research-perspective-medical-liability-claim-frequency.pdf) 0Claims in career per 100 orthopedic surgeons **according to a *[***2023 American Medical Association report***](https://www.ama-assn.org/system/files/policy-research-perspective-medical-liability-claim-frequency.pdf) 0Total orthopedic surgeries/procedures performed in the US in 2022 **according to a *[***2023 Global Data report***](https://www.globaldata.com/store/report/usa-orthopedic-procedures-analysis/#:~:text=US%20Orthopedic%20Market%20Report%20Overview,on%20the%20US%20Orthopedic%20Procedures) ## Secure Coverage for Your Orthopedic Surgery Practice in** 3 Easy Steps ** ### Onboarding We review your needs and confirm your liability requirements in accordance with state laws and employment contracts. ** ### Application Management We handle the paperwork, compare quotes from multiple [A-rated carriers](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/), and present the best options. ** ### Select Your Policy Once you choose a policy, we finalize coverage and send your Certificates of Insurance right away. [Get Your Free Quote](#quote) ## Customer Reviews EXCELLENT * Based on 461 reviews Posted on Google george lodeiro Trustindex verifies that the original source of the review is Google. Very thorough and addressed all my needs . Posted on Google Andy Garcia Trustindex verifies that the original source of the review is Google. Outstanding experience with Max. Would recommend working with him for any of your malpractice needs. Posted on Google Michael Ferri Trustindex verifies that the original source of the review is Google. MEDPLI was able to handle and solve our group professional liability insurance needs when other brokers could not. The difference was that they listened to our questions (repeatedly) and uncertainties, helped us know what questions to ask, showed us that they understood, and then went to bat for us with the underwriters. I feel confident that we've got the coverage we need now. Posted on Google Grace Jazrawi Trustindex verifies that the original source of the review is Google. I loved working with Mr. Schloemann and his team. They were easy to communicate with and efficient and finding the best insurance plan for my practice. Owner's reply Thank you for the kind review, Dr. Jazrawi! Posted on Google Jason Harmon Trustindex verifies that the original source of the review is Google. Exceptional/responsive service! Provided expert and very helpful information in a way that was easy to digest for an insurance "lay person". Would highly recommend this company, and Max in particular, without reservation. J. Harmon, MD Owner's reply Dr. Harmon, thank you for the strong review of your MEDPLI experience for malpractice insurance. Posted on Google Craig Stuck Trustindex verifies that the original source of the review is Google. MEDPLI was so helpful and professional. They addressed all my concerns and were diligent to make the process efficient. I highly recommend their insurance services. Owner's reply We appreciate the positive feedback. Best wishes in your medical practice! Posted on Google Michael Kiehl Trustindex verifies that the original source of the review is Google. Very prompt with responses and information! Posted on Google Angela Burnett Trustindex verifies that the original source of the review is Google. We have used them the past 3 years for malpractice and liability insurance and the customer service has been outstanding! They are very thorough and I would highly recommend them! Posted on Google Arthur Evensen Trustindex verifies that the original source of the review is Google. I had an outstanding experience with Medpli. They helped me secure high-quality tail malpractice coverage quickly, professionally, and at a very competitive price. The entire process was smooth from start to finish, and they took the time to explain my options, answer my questions, and make sure I had the coverage that best fit my needs. As a physician, having confidence in your malpractice coverage is incredibly important, and Medpli made what could have been a stressful process remarkably easy. Their responsiveness, expertise, and commitment to finding a cost-effective solution truly set them apart. I highly recommend Medpli to any physician looking for malpractice insurance or tail coverage. Their customer service was exceptional, and I wouldn’t hesitate to work with them again in the future. Owner's reply Thank you 🙏 for the great review of your MEDPLI experience. We make malpractice tail coverage easier! ## Why Do Orthopedic Surgeons Need Strong Malpractice Insurance? Orthopedic surgeons are frequently named in malpractice lawsuits; their high-risk procedures and complex care make strong malpractice coverage essential. Key risk factors include: - *High surgical volume and complexity - **Broad range of patient demographics and procedures - **Care of high-earning and high-profile athletes - **Predominantly male specialty, a demographic statistically more likely to face claims - **[Limited long-term patient relationships](https://www.beckersspine.com/orthopedic/81-of-orthopedic-surgeons-are-named-in-malpractice-cases-14-findings/#:~:text=Surgeons%20are%20more,told%20Medscape.) can reduce rapport and increase claim risk ## The most common reasons orthopedic surgeons are sued include: - **Abnormal injury (surgeries targeting the wrong spine level, errors during hip or knee replacement, nerve damage caused by surgery, and more) - **Pain or mobility issues - **Infections - **Failure to diagnose - **Failure to treat - **Poor communication - **[Delayed or inadequate response to complications](https://aorthopartners.com/white-paper-a-fresh-look-at-professional-liability-in-orthopedics-given-recent-extraordinary-judgements-in-sports-medicine/#:~:text=Cases%20are%20often%20related%20to%20a%20surgeon%E2%80%99s%20delayed%20or%20inadequate%20response%20to%20developing%20complications.) - **Improperly obtained or unobtained informed consent - **Lack of or poor documentation of patient instruction and education * ## Why Do Orthopedic Surgeons Need Strong Malpractice Insurance in 2026 and Beyond? Orthopedic surgeons are frequently named in malpractice lawsuits; their high-risk procedures and complex care make strong malpractice coverage essential. Key risk factors include: - *High surgical volume and complexity - **Broad range of patient demographics and procedures - **Care of high-earning and high-profile athletes - **Predominantly male specialty, a demographic statistically more likely to face claims - **[Limited long-term patient relationships](https://www.beckersspine.com/orthopedic/81-of-orthopedic-surgeons-are-named-in-malpractice-cases-14-findings/#:~:text=Surgeons%20are%20more,told%20Medscape.) can reduce rapport and increase claim risk ## The most common reasons orthopedic surgeons are sued include: - **Abnormal injury (surgeries targeting the wrong spine level, errors during hip or knee replacement, nerve damage caused by surgery, and more) - **Pain or mobility issues - **Infections - **Failure to diagnose - **Failure to treat - **Poor communication - **[Delayed or inadequate response to complications](https://aorthopartners.com/white-paper-a-fresh-look-at-professional-liability-in-orthopedics-given-recent-extraordinary-judgements-in-sports-medicine/#:~:text=Cases%20are%20often%20related%20to%20a%20surgeon%E2%80%99s%20delayed%20or%20inadequate%20response%20to%20developing%20complications.) - **Improperly obtained or unobtained informed consent - **Lack of or poor documentation of patient instruction and education * ## What Does Malpractice Insurance for Orthopedic Surgeons Cover? Specialized malpractice policies help protect your personal and practice assets if a patient alleges injury related to your: - *Surgical decisions - **Post-operative care - **Failure to diagnose They also typically cover your legal defense costs, as well as settlements and judgments, up to the policy limits. With rising premiums and payouts, MEDPLI is your best ally. Don’t settle for inadequate coverage or unfair rates. ### Get a Free 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. Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.WebsiteSubmit ## Average Malpractice Insurance Costs for Orthopedic Surgeons (Updated for 2026) Premiums vary widely depending on location, specific application details, and the insurance carrier’s underwriting process, with most orthopedic surgeon malpractice insurance policies ranging from $30,000 to $60,000. (These estimates are for informational purposes only.) ### Sample Malpractice Premiums for Orthopedic Surgeons by City City State Premium Estimate Limits of Liability Birmingham AL $35,000 $1,000,000/$3,000,000 Little Rock AR $35,000 $1,000,000/$3,000,000 Phoenix AZ $45,000 $1,000,000/$3,000,000 Los Angeles CA $35,000 $1,000,000/$3,000,000 Denver CO $50,000 $1,000,000/$3,000,000 Bridgeport CT $45,000 $1,000,000/$4,000,000 Wilmington DE $50,000 $1,000,000/$3,000,000 Washington DC DC $75,000 $1,000,000/$3,000,000 Miami FL* $70,000 $1,000,000/$3,000,000 Miami FL* $55,000 $250,000/$750,000 Atlanta GA $45,000 $1,000,000/$3,000,000 Honolulu HI $50,000 $1,000,000/$3,000,000 Des Moines IA $30,000 $1,000,000/$3,000,000 Boise ID $25,000 $1,000,000/$3,000,000 Chicago IL $85,000 $1,000,000/$3,000,000 Wichita KS $30,000 + KS HCSF $200,000/$600,000 Louisville KY $40,000 $1,000,000/$3,000,000 Indianapolis IN $30,000 + IN PCF $250,000/$750,000 New Orleans LA $30,000 + LA PCF $100,000/$300,000 Boston MA $25,000 $1,000,000/$3,000,000 Baltimore MD $40,000 $1,000,000/$3,000,000 Portland ME $35,000 $1,000,000/$3,000,000 Detroit MI $60,000 $1,000,000/$3,000,000 St. Louis MO $50,000 $1,000,000/$3,000,000 Minneapolis MN $25,000 $1,000,000/$3,000,000 Jackson MS $55,000 $1,000,000/$3,000,000 Billings MT $60,000 $1,000,000/$3,000,000 Charlotte NC $35,000 $1,000,000/$3,000,000 Fargo ND $25,000 $1,000,000/$3,000,000 Omaha NE $25,000 $1,000,000/$3,000,000 Manchester NH $50,000 $1,000,000/$3,000,000 Albuquerque NM $35,000 + NM PCF $200,000/600,000 (Only Occurrence; no Claims-Made coverage) Newark NJ $55,000 $1,000,000/$3,000,000 Las Vegas NV $450,000 $1,000,000/$3,000,000 Manhattan, NY NY $125,000 $1,300,000/$3,900,000 Columbus OH $50,000 $1,000,000/$3,000,000 Oklahoma City OK $45,000 $1,000,000/$3,000,000 Portland OR $30,000 $1,000,000/$3,000,000 Philadelphia PA $50,000 + MCARE $500,000/$1,500,000 Providence RI $40,000 $1,000,000/$3,000,000 Charleston SC $40,000 $1,000,000/$3,000,000 Sioux Falls SD $25,000 $1,000,000/$3,000,000 Nashville TN $40,000 $1,000,000/$3,000,000 Houston TX* $30,000 $200,000/$600,000 Houston TX* $45,000 $1,000,000/$3,000,000 Salt Lake City UT $40,000 $1,000,000/$3,000,000 Burlington VT $30,000 $1,000,000/$3,000,000 Seattle WA $40,000 $1,000,000/$3,000,000 Virginia Beach VA $40,000 $2,450,000/$7,350,000 Milwaukee WI $25,000 + PCF $1,000,000/$3,000,000 Charleston WV $60,000 $1,000,000/$3,000,000 Column 1 Value 52 Column 2 Value 52 Column 3 Value 52 Column 4 Value 52 *These states offer limit options Note: These rates are approximate, and each individual has unique factors that can affect their premium. ## An orthopedic surgeon’s malpractice insurance costs vary greatly based on: - *Claims history (multiple claims can double the cost of malpractice insurance) - **Location - **Risk profile and amount of coverage needed - **Range of services - **Type of policy - **Risk management programs Having an experienced medical malpractice broker on your side helps you work through these intricacies and secure customized coverage to fit your needs– without overpaying. [Get Your Free Quote](#quote) ## Nearly half of all orthopedic surgeons will be sued during their career. A strong malpractice policy is your best defense. Protect your career with premier liability coverage tailored for orthopedic specialists. [Get Your Free Quote](#quote) ## Premier Orthopedic Surgeon Malpractice Coverage in All 50 States Our brokers customize orthopedic surgeon policy terms according to state-specific codes & requirements. ## States We Work In: **- ** [Alabama](https://medpli.com/alabama-doctors-buying-guide-medical-malpractice-insurance/) - ** [Alaska](https://medpli.com/alaska-doctors-buying-guide-medical-malpractice-insurance/) - ** [Arizona](https://medpli.com/arizona-doctors-buying-guide-medical-malpractice-insurance/) - ** [Arkansas](https://medpli.com/arkansas-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [California](https://medpli.com/california-doctors-buying-guide-medical-malpractice-insurance/) - ** [Colorado](https://medpli.com/colorado-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [Connecticut](https://medpli.com/connecticut-doctors-buying-guide-medical-malpractice-insurance/) - ** [Delaware](https://medpli.com/delaware-medical-malpractice-insurance-buying-guide/) - ** [District of Columbia](https://medpli.com/washington-dc-medical-malpractice-insurance-buying-guide/) - ** [Florida](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) - ** [Georgia](https://medpli.com/georgia-doctors-buying-guide-medical-malpractice-insurance/) - ** [Idaho](https://medpli.com/idaho-medical-malpractice-insurance-buying-guide/) - ** [Illinois](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [Indiana](https://medpli.com/indiana-medical-malpractice-insurance-buying-guide/) - ** [Iowa](https://medpli.com/iowa-medical-malpractice-insurance-buying-guide/) - ** [Kansas](https://medpli.com/kansas-medical-malpractice-insurance-buying-guide/) - ** [Kentucky](https://medpli.com/kentucky-doctors-buying-guide-medical-malpractice-insurance/) - ** [Louisiana](https://medpli.com/louisiana-medical-malpractice-insurance-buying-guide/) - ** [Maryland](https://medpli.com/maryland-physicians-guide-to-medical-malpractice-insurance/) - ** [Massachusetts](https://medpli.com/massachusetts-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [Michigan](https://medpli.com/michigan-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [Minnesota](https://medpli.com/minnesota-medical-malpractice-insurance-buying-guide/) - ** [Mississippi](https://medpli.com/mississippi-medical-malpractice-insurance-buying-guide/) - ** [Missouri](https://medpli.com/missouri-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [Montana](https://medpli.com/montana-medical-malpractice-insurance-buying-guide/) - ** [Nebraska](https://medpli.com/nebraska-medical-malpractice-insurance-buying-guide/) - ** [Nevada](https://medpli.com/nevada-medical-malpractice-insurance-buying-guide/) - ** [New Hampshire](https://medpli.com/new-hampshire-medical-malpractice-insurance-buying-guide/) - ** [New Jersey](https://medpli.com/new-jersey-doctors-buying-guide-medical-malpractice-insurance/) - ** [New Mexico](https://medpli.com/new-mexico-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [New York](https://medpli.com/new-york-physicians-guide-to-medical-malpractice-insurance/) - ** [North Carolina](https://medpli.com/north-carolina-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [North Dakota](https://medpli.com/#quote) - ** [Ohio](https://medpli.com/ohio-buying-guide-medical-malpractice-insurance/) - ** [Oklahoma](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/) - ** [Oregon](https://medpli.com/oregon-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [Pennsylvania](https://medpli.com/pennsylvania-doctors-buying-guide-medical-malpractice-insurance/) - ** [Rhode Island](https://medpli.com/#quote) - ** [South Carolina](https://medpli.com/south-carolina-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [South Dakota](https://medpli.com/#quote) - ** [Tennessee](https://medpli.com/tennessee-doctors-buying-guide-to-medical-malpractice-insurance/) - ** [Texas](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) - ** [Utah](https://medpli.com/utah-doctors-buying-guide-medical-malpractice-insurance/) - ** [Vermont](https://medpli.com/#quote) - ** [Virginia](https://medpli.com/virginia-doctors-buying-guide-medical-malpractice-insurance/) - ** [Washington](https://medpli.com/washington-doctors-buying-guide-medical-malpractice-insurance/) - ** [West Virginia](https://medpli.com/west-virginia-medical-malpractice-insurance-buying-guide/) - ** [Wisconsin](https://medpli.com/#quote) - ** [Wyoming](https://medpli.com/#quote) ## Orthopedic Surgery Liability & Malpractice Insurance Made Simple * #### Save Time & Money On average, MEDPLI clients save over 23% on insurance premiums. We handle the policy comparisons for you, so you can focus on providing quality care. #### Healthcare Industry Expertise We exclusively broker medical malpractice insurance, entirely focused on the coverage needs of healthcare physicians and surgeons. #### Local Customer Service Your dedicated U.S.-based broker is available by phone whenever you have questions. #### Ongoing Support If you move states, change practices, or update your risk profile, we keep you covered with proactive policy consultations & updates. [Get a Free Quote](#quote) ## What Our Clients Have to Say “When I needed a new insurance policy for my orthopedic surgery practice in Austin, Texas, I contacted MEDPLI. Max and the rest of the team were helpful and knowledgeable. They responded to all of my questions quickly, but most importantly, they were honest and truly had their clients’ best interests in mind. If you’re looking for an experienced independent broker who can find you the most competitive price for malpractice insurance for your practice, I definitely recommend MEDPLI.”-Dr. Matthew L., Board Certified Orthopedic Surgeon“Extremely helpful and prompt. Very happy with the service I have been provided over the years. I tried other companies for a couple of years, but I will be sticking with MEDPLI from now on.”-Dr. Gillian J. “Max was very helpful and gave honest, friendly, and upfront estimates for my medical malpractice needs. Highly recommend!”- Dr. John R. ## HEAR FROM ONE OF OUR ORTHOPEDIC SURGEON CLIENTS “When I needed a new insurance policy, I contacted MEDPLI. Max and the rest of the team were helpful and knowledgeable.” “When I needed a new insurance policy for my orthopedic surgery practice in Austin, Texas I contacted MEDPLI. Max and the rest of the team were helpful and knowledgeable. They responded to all of my questions quickly, but most importantly, they were honest and truly had their clients’ best interest in mind. If you’re looking for an experienced independent broker who can find you the most competitive price for malpractice insurance for your practice, I definitely recommend MEDPLI.” Dr. Matthew Laughlin, Board Certified Orthopedic Surgeon ## Orthopedic Surgeon Liability & Malpractice Insurance FAQs #### [***How much is malpractice insurance for orthopedic surgeons?](#823b6abbc56452209) Costs vary widely based on your location, practice type, claims history, and policy type. An orthopedic surgeon in Boise, Idaho, might pay $25,000* a year, while an orthopedic surgeon in Manhattan could pay $125,000* or more. Additionally, claims rise significantly—sometimes doubling or tripling—if your claims history includes multiple lawsuits. MEDPLI brokers will provide you with a [free, personalized quote](https://medpli.com/#quote) based on your unique needs and circumstances. **These estimates are for informational purposes only.* #### [****What type of coverage do you recommend for orthopedic surgeons?](#a26113d445577ded1) It depends on your location, risk profile, malpractice coverage needs, and what’s available (occurrence, claims-made, or both). We’ll provide personalized quotes and help you determine which will work best for you. #### [****Which insurance companies have the best policies for orthopedic surgeons?](#22dfe4ea1d73b32ba) While these [top insurance providers](https://medpli.com/medical-malpractice-insurance-companies-for-doctors-in-2024/) offer excellent coverage, the “best” carrier varies for each medical professional based on their specialty, location, and unique risk profile. We compare quotes from multiple A-rated carriers to find your best options. #### [****How much coverage do I need?](#1f3083575b4469060) Requirements [vary by state](https://medpli.com/states/), but the typical liability limits on orthopedic surgeon professional liability policies are $1,000,000 per claim and $3,000,000 annual aggregate. Excess limits are available and sometimes required based on laws and individual needs. #### ## Get Your Orthopedic Medical Malpractice Insurance Quote Today With rising premiums and complex coverage requirements, choosing the right insurance partner matters more than ever. To speak with an experienced malpractice insurance broker, email [info@medpli.com](mailto:info@medpli.com) or call our Illinois office at [800-969-1339](tel:800-969-1339). Get expert coverage designed specifically for orthopedic surgeons like you. ## GET QUOTE #### Get a fast quote for orthopedic surgeon medical malpractice insurance. 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. Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.WebsiteSubmit MEDPLI is an independent insurance practice specializing in medical professional liability insurance. Through our A-rated insurance partners, we provide insurance solutions to doctors and healthcare providers in the United States. - [ Home](https://medpli.com/) - [ Services](https://medpli.com/products-services/)[ Telemedicine Insurance](https://medpli.com/?page_id=1698) - [ Tail Insurance](https://medpli.com/products-services/tail-malpractice-insurance/) - [ Private Practice Insurance](https://medpli.com/products-services/private-practice-insurance/) - [ Medical Practice Risk Assessment](https://medpli.com/products-services/medical-practice-risk-assessment/) - [ Medical Facility Insurance](https://medpli.com/products-services/medical-facility-insurance/) - [ Group Insurance](https://medpli.com/products-services/group-medical-malpractice-insurance/) - [ Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/) - [ Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/) - [ Specialties](https://medpli.com/specialties/)[ Anesthesiologists](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/) - [ Bariatric Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-bariatric-surgeons/) - [ Cardiologists](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) - [ Dermatologists](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/) - [ Family Medicine](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/) - [ Gastroenterologists](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/) - [ General Surgeons](https://medpli.com/specialties/malpractice-insurance-general-surgeons/) - [ Hospitalists](https://medpli.com/specialties/hospitalist-medical-malpractice-insurance/) - [ Internists](https://medpli.com/specialties/internist-medical-malpractice-insurance/) - [ Ketamine Infusion Therapy](https://medpli.com/specialties/ketamine-infusion-malpractice-insurance/) - [ Medical Spas](https://medpli.com/specialties/medical-spa-malpractice-insurance/) - [ Neurologists](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/) - [ Neurosurgeons](https://medpli.com/specialties/malpractice-insurance-neurosurgeons/) - [ OB/GYNs](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) - [ Orthopedic Surgeons](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons-new/) - [ Otolaryngologists](https://medpli.com/specialties/otolaryngologist-medical-malpractice-insurance/) - [ Plastic Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-plastic-surgeons/) - [ Psychiatrists](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) - [ Radiologists](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/) - [ State Buying Guides](https://medpli.com/states/) - [ About](https://medpli.com/about-us/)[ Staff](https://medpli.com/about-our-staff/) - News & Blog[ In The News](https://medpli.com/news/) - [ Privacy Policy](https://medpli.com/privacy-policy/) - [ Contact Us](https://medpli.com/contact-us/) Telephone: [800-969-1339](tel:800-969-1339) Email: [info@medpli.com](mailto:info@medpli.com) MEDPLI Insurance Services 1740 Innovation Drive, Ste. 44 Carbondale, IL 62903 [](https://medpli.epaypolicy.com/) *The information on this page is provided for general informational purposes only and is not intended to constitute insurance or legal advice**.  MEDPLI is not a law firm and does not provide legal advice.* * **MEDPLI Insurance Services**, LLC is an independent insurance broker dedicated to helping doctors find the coverage that best fits their professional needs. * MEDPLI © 2026 All Rights Reserved. [Privacy Policy](https://medpli.com/privacy-policy/) [LinkedIn](https://www.linkedin.com/company/medpli-professional-liability-insurance)[Facebook](https://www.facebook.com/Medpli/)[YouTube](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[Instagram](https://www.instagram.com/medpli/)[X](https://twitter.com/MedpliMax) [Page load link](#) 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. ** × 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. ** × 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. ** × 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. × Tail coverage protects doctors against any future claims that have yet to be reported. × 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 × 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 × 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. × 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. Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.CommentSubmit CLOSE [ Go to Top ](#)