orthopedic surgeon bandaging woman's knee

Malpractice Insurance for Orthopedic Surgeons

Orthopedic surgery is a high-risk specialty, making it subject to a high amount of malpractice claims.

A Medscape survey from 2017 found that 76% of orthopedists surveyed had been sued at least once, and independent studies have found that orthopedic surgeons have one of the highest rates of medical malpractice claims filed against them. Because of this risk, orthopedic surgeons tend to have high rates for medical malpractice insurance, but there are multiple factors that impact the cost.

If you are an orthopedic surgeon in need of medical liability insurance, contact MEDPLI. We work with A-rated carriers that provide robust protection for their policyholders, and we can save you up to 28% on your rates.

Why Orthopedic Surgeons need Medical Malpractice Insurance

A previously noted, orthopedic surgery is one of the most frequently sued specialties. Orthopedists tend to be sued for:

  • Abnormal injury – this can include surgeries targeting the wrong spine level, errors during hip or knee replacement, nerve damage caused by surgery, and more
  • Failure to diagnose
  • Failure to treat
  • Improperly obtained or unobtained informed consent
  • Poor documentation of patient instruction and education

Additionally, orthopedic surgeons tend to be men, and men have a higher rate of being targeted with medical malpractice lawsuits.

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

Because orthopedists 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:

  • Economic and non-economic damages awarded to the plaintiff
  • Attorney’s fees

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

Focused female doctor looking at a set of X-rays in her office

Medical Malpractice Insurance Rates for Orthopedic Surgeons

COVID-19 halted many elective and non-emergency orthopedic surgeries, impacting orthopedists’ earning ability. At the same time, malpractice rates have started trending upwards. Now is a good time for orthopedic surgeons to 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 orthopedic surgeons are heavily affected by the physician’s claims history. If a doctor has had multiple claims filed against them, it will likely double the cost of their insurance rates.

Rates are also impacted by the physician’s location. See below for average rates by location for orthopedists. 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
Limits of Liability
Premium Estimate
Birmingham
AL
$1,000,000/$3,000,000
$25,000
Little Rock
AR
$1,000,000/$3,000,000
$25,000
Phoenix
AZ
$1,000,000/$3,000,000
$35,000
Los Angeles
CA
$1,000,000/$3,000,000
$25,000
Denver
CO
$1,000,000/$3,000,000
$40,000
Bridgeport
CT
$1,000,000/$4,000,000
$35,000
Wilmington
DE
$1,000,000/$3,000,000
$40,000
Washington DC
DC
$1,000,000/$3,000,000
$65,000
Miami
FL*
$1,000,000/$3,000,000
$60,000
Miami
FL*
$250,000/$750,000
$45,000
Atlanta
GA
$1,000,000/$3,000,000
$35,000
Honolulu
HI
$1,000,000/$3,000,000
$40,000
Des Moines
IA
$1,000,000/$3,000,000
$20,000
Boise
ID
$1,000,000/$3,000,000
$15,000
Chicago
IL
$1,000,000/$3,000,000
$75,000
Wichita
KS
$200,000/$600,000
$20,000 + KS HCSF
Louisville
KY
$1,000,000/$3,000,000
$30,000
Indianapolis
IN
$250,000/$750,000
$20,000 + IN PCF
New Orleans
LA
$100,000/$300,000
$20,000 + LA PCF
Boston
MA
$1,000,000/$3,000,000
$35,000
Baltimore
MD
$1,000,000/$3,000,000
$50,000
Portland
ME
$1,000,000/$3,000,000
$25,000
Detroit
MI
$1,000,000/$3,000,000
$50,000
St. Louis
MO
$1,000,000/$3,000,000
$40,000
Minneapolis
MN
$1,000,000/$3,000,000
$15,000
Jackson
MS
$1,000,000/$3,000,000
$45,000
Billings
MT
$1,000,000/$3,000,000
$50,000
Charlotte
NC
$1,000,000/$3,000,000
$25,000
Fargo
ND
$1,000,000/$3,000,000
$15,000
Omaha
NE
$1,000,000/$3,000,000
$15,000
Manchester
NH
$1,000,000/$3,000,000
$40,000
Albuquerque
NM
$200,000/600,000 (Only Occurrence; no Claims-Made coverage)
$25,000 + NM PCF
Newark
NJ
$1,000,000/$3,000,000
$45,000
Las Vegas
NV
$1,000,000/$3,000,000
$40,000
Manhattan, NY
NY
$1,300,000/$3,900,000
$115,000
Columbus
OH
$1,000,000/$3,000,000
$40,000
Oklahoma City
OK
$1,000,000/$3,000,000
$35,000
Portland
OR
$1,000,000/$3,000,000
$20,000
Philadelphia
PA
$500,000/$1,500,000
$40,000 + MCARE
Providence
RI
$1,000,000/$3,000,000
$30,000
Charleston
SC
$1,000,000/$3,000,000
$30,000
Sioux Falls
SD
$1,000,000/$3,000,000
$15,000
Nashville
TN
$1,000,000/$3,000,000
$30,000
Houston
TX*
$200,000/$600,000
$20,000
Houston
TX*
$1,000,000/$3,000,000
$30,000
Salt Lake City
UT
$1,000,000/$3,000,000
$30,000
Virginia Beach
VA
$2,450,000/$7,350,000
$30,000
Burlington
VT
$1,000,000/$3,000,000
$20,000
Seattle
WA
$1,000,000/$3,000,000
$30,000
Milwaukee
WI
$1,000,000/$3,000,000
$15,000 + PCF
Charleston
WV
$1,000,000/$3,000,000
$50,000
Cheyenne
WY
$1,000,000/$3,000,000
$40,000

*These states offer limit options

Contact MEDPLI today to get a fast quote for orthopedic surgeon medical malpractice insurance.

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