Malpractice Insurance for Orthopedic Surgeons

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Medical Malpractice Insurance Solutions 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

  • 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.

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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.

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

*These states offer limit options

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