General Surgeons Need Strong Professional Liability Insurance
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.
General surgeons aged 55+ who have been sued at least once
*according to the American Medical Association
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.
Customer Reviews
Highest risk factors for general surgeons include:
Most common reasons general surgeons are sued include:
Highest risk factors for general surgeons include:
Most common reasons general surgeons are sued include:
With rising premiums and payouts, MEDPLI is your best ally.
Don’t settle for inadequate coverage or unfair rates.
Get a Free Quote
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.
Premier General Surgery Malpractice & Liability Coverage in All 50 States
Our brokers customize the terms of general surgeon policies to meet state-specific codes & requirements.
States We Work In:
General Surgery Liability & Malpractice Coverage Made Simple
Save Time & Money
On average, MEDPLI clients save an average of 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.
What Our Clients Have to Say
General Surgery Liability & Malpractice Insurance FAQs
Get Your General Surgery Malpractice Insurance Quote Today
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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