General Surgeons Need Medical Malpractice Insurance
General surgeons who have been sued at least once
*according to a 2023 American Medical Association Study
General surgeons aged 55+ who have been sued at least once
*according to a 2023 American Medical Association Study
Average jury verdict in malpractice cases won by the plaintiff
*according to a 2025 article by Miller & Zois Attorneys at Law
General Surgery Malpractice Lawsuits: Top Allegations & Related Procedures
General surgeons face malpractice claims across a wide range of procedures, with improper surgical performance as the most common allegation and cholecystectomy the most frequently involved operation. This breadth of risk makes strong liability insurance essential.
Source: MLMIC & MedPro Group
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General Surgeons Need Strong Professional Liability Insurance in 2026 and Beyond
General surgeons face one of the highest malpractice risk levels among any specialty and are 3.5 to 4 times more likely to be sued than physicians in lower-risk specialties.
The increased likelihood of being named in a lawsuit – and the nationwide rise in $10-million-plus malpractice verdicts – make robust medical liability coverage essential.
Highest risk factors for general surgeons include:
Most common reasons general surgeons are sued include:
General Surgeons Need Strong Professional Liability Insurance in 2026 and Beyond
General surgeons face one of the highest malpractice risk levels among any specialty and are 3.5 to 4 times more likely to be sued than physicians in lower-risk specialties.
The increased likelihood of being named in a lawsuit – and the nationwide rise in $10-million-plus malpractice verdicts – make robust medical liability coverage essential.
Highest risk factors for general surgeons include:
Most common reasons general surgeons are sued include:
Secure Coverage for Your Practice in 3 Simple 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, and present the best options.
Select Your General Surgeon Malpractice Insurance Policy
Once you choose a policy, we finalize coverage and send your Certificates of Insurance right away.
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What Does General Surgery Malpractice Insurance Cover?
Specialized malpractice policies protect your personal and practice assets if a patient alleges injury related to your:
These policies also typically cover legal defense costs, monetary damages, and judgments up to your policy limits.
How Much Is Malpractice Insurance for General Surgeons? (Updated for 2026)
Premiums vary widely depending on location, specific application details, and the insurance carrier’s underwriting process, with most general surgeon malpractice insurance policies ranging from $30,000 to $80,000. (These estimates are for informational purposes only.)
Estimated Medical Malpractice Insurance Rates by State: General Surgeons (2026)
| City | State | Premium Estimate | Limits of Liability |
|---|---|---|---|
| Birmingham | AL | $55,000 | $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 | $60,000 | $1,000,000/$3,000,000 |
| Denver | CO | $70,000 | $1,000,000/$3,000,000 |
| Bridgeport | CT | $65,000 | $1,000,000/$4,000,000 |
| Wilmington | DE | $70,000 | $1,000,000/$3,000,000 |
| Washington DC | $95,000 | $1,000,000/$3,000,000 | |
| Miami | FL* | $90,000 | $1,000,000/$3,000,000 |
| Miami | FL* | $75,000 | $250,000/$750,000 |
| Atlanta | GA | $65,000 | $1,000,000/$3,000,000 |
| Honolulu | HI | $70,000 | $1,000,000/$3,000,000 |
| Des Moines | IA | $50,000 | $1,000,000/$3,000,000 |
| Boise | ID | $45,000 | $1,000,000/$3,000,000 |
| Chicago | IL | $105,000 | $1,000,000/$3,000,000 |
| Wichita | KS | $50,000 + KS HCSF | $200,000/$600,000 |
| Louisville | KY | $60,000 | $1,000,000/$3,000,000 |
| Indianapolis | IN | $50,000 + IN PCF | $250,000/$750,000 |
| New Orleans | LA | $50,000 + LA PCF | $1,000,000/$3,000,000 |
| Boston | MA | $45,000 | $1,000,000/$3,000,000 |
| Baltimore | MD | $60,000 | $1,000,000/$3,000,000 |
| Portland | ME | $55,000 | $1,000,000/$3,000,000 |
| Detroit | MI | $80,000 | $1,000,000/$3,000,000 |
| St. Louis | MO | $70,000 | $1,000,000/$3,000,000 |
| Minneapolis | MN | $45,000 | $1,000,000/$3,000,000 |
| Jackson | MS | $85,000 | $1,000,000/$3,000,000 |
| Billings | MT | $80,000 | $1,000,000/$3,000,000 |
| Charlotte | NC | $55,000 | $1,000,000/$3,000,000 |
| Fargo | ND | $45,000 | $1,000,000/$3,000,000 |
| Omaha | NE | $45,000 | $1,000,000/$3,000,000 |
| Manchester | NH | $60,000 | $1,000,000/$3,000,000 |
| Albuquerque | NM | $35,000 + NM PCF | $200,000/600,000 |
| Newark | NJ | $75,000 | $1,000,000/$3,000,000 |
| Las Vegas | NV | $70,000 | $1,000,000/$3,000,000 |
| Manhattan, NY | NY | $145,000 | $1,300,000/$3,900,000 |
| Columbus | OH | $70,000 | $1,000,000/$3,000,000 |
| Oklahoma City | OK | $65,000 | $1,000,000/$3,000,000 |
| Portland | OR | $50,000 | $1,000,000/$3,000,000 |
| Philadelphia | PA | $70,000 + MCARE | $500,000/$1,500,000 |
| Providence | RI | $60,000 | $1,000,000/$3,000,000 |
| Charleston | SC | $60,000 | $1,000,000/$3,000,000 |
| Sioux Falls | SD | $45,000 | $1,000,000/$3,000,000 |
| Nashville | TN | $60,000 | $1,000,000/$3,000,000 |
| Houston | TX* | $50,000 | $200,000/$600,000 |
| Houston | TX* | $60,000 | $1,000,000/$3,000,000 |
| Salt Lake City | UT | $60,000 | $1,000,000/$3,000,000 |
| Burlington | VT | $60,000 | $2,500,000/$7,500,000 |
| Seattle | WA | $50,000 | $1,000,000/$3,000,000 |
| Virginia Beach | VA | $60,000 | $1,000,000/$3,000,000 |
| Milwaukee | WI | $45,000 + PCF | $1,000,000/$3,000,000 |
| Charleston | WI | $80,000 | $1,000,000/$3,000,000 |
| Cheyenne | WY | $70,000 | $1,000,000/$3,000,000 |
*These states have limit options
Note: These rates are approximate, and each individual’s unique factors can affect their premium.
Medical malpractice insurance rates for general surgeons vary based on several factors:
An experienced medical malpractice broker helps you navigate these complexities and secure customized coverage that fits your needs—without overpaying.
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With rising premiums, complex coverage requirements, and one of the highest malpractice claim frequencies of any specialty, choosing the right insurance partner matters more than ever. To speak with an experienced malpractice insurance broker, email info@medpli.com or call our Illinois office at 800-969-1339.
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