Plastic Surgeons Need Strong Professional Liability Insurance
Plastic surgeons face the fifth-highest number of annual malpractice claims of any specialty, and the risk is climbing. Between 2021 and 2023, the percentage of plastic surgeons who reported being sued jumped from 51% to 73%.
Lawsuits aren’t just more likely; they’re more expensive. With $10-million-plus malpractice verdicts on the rise nationwide, robust coverage is the backbone of practice protection.
At MEDPLI, we shop A-rated carriers on your behalf to find tailored coverage at a competitive price. Get your quick quote here.
Medical malpractice payouts across all specialties in the U.S. from 2015-2025
-according to the National Practitioner Data Bank (NPDB) Data Analysis Tool
Chance of being sued per year of practice for plastic surgeons aged 45+
-according to PubMed (2025)
Chance of being sued per year of practice for plastic surgeons aged 65+
-according to PubMed (2025)
Secure Plastic Surgeon Coverage 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 Plastics Malpractice Insurance Policy
Once you choose a policy, we finalize coverage and send your Certificates of Insurance right away.
Customer Reviews
The highest risk factors for plastic surgeons include:
Most common reasons plastic surgeons are sued include:
The most common procedures named in plastic surgery malpractice cases include:
The highest risk factors for plastic surgeons include:
Most common reasons plastic surgeons are sued include:
The most common procedures named in plastic surgery malpractice cases include:
With rising premiums and payouts, MEDPLI is your best ally.
Don’t settle for inadequate coverage or unfair rates.
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What Does Malpractice Insurance for Plastic Surgeons 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 Plastic Surgeons?
Premiums vary widely depending on location, specific application details, and the insurance carrier’s underwriting process, with most plastic surgeon malpractice insurance policies ranging from $30,000 to $60,000. (These estimates are for informational purposes only.)
Estimated Medical Malpractice Insurance Rates by State: Plastic Surgeons (2026)
| City | State | Premium Estimate | Limits of Liability |
|---|---|---|---|
| Birmingham | AL | $33,000 | $1,000,000/$3,000,000 |
| Little Rock | AR | $33,000 | $1,000,000/$3,000,000 |
| Phoenix | AZ | $45,000 | $1,000,000/$3,000,000 |
| Los Angeles | CA | $40,000 | $1,000,000/$3,000,000 |
| Denver | CO | $30,000 | $1,000,000/$3,000,000 |
| Bridgeport | CT | $50,000 | $1,000,000/$4,000,000 |
| Wilmington | DE | $50,000 | $1,000,000/$3,000,000 |
| Washington 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 | $90,000 | $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 | $40,000 + 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 | $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 |
| Newark | NJ | $55,000 | $1,000,000/$3,000,000 |
| Las Vegas | NV | $50,000 | $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 | $33,000 | $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* | $40,000 | $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 | 1,000,000/$3,000,000 |
| Milwaukee | WI | $25,000 + PCF | $1,000,000/$3,000,000 |
| Charleston | WI | $60,000 | $1,000,000/$3,000,000 |
| Cheyenne | WY | $50,000 | $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 plastic 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.
Plastic surgeons face the 5th highest number of malpractice claims among specialties.
Strong liability coverage is your best defense. Protect your livelihood and reputation with premier malpractice insurance tailored for plastic surgeons.
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On average, MEDPLI clients save 23% on insurance premiums. We handle the policy comparisons for you, so you can focus on providing quality care.
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If you move states, change practices, or update your risk profile, we keep you covered with proactive policy consultations & updates.
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Plastic Surgery Liability & Malpractice Insurance FAQs
Get Your Plastic Surgery Malpractice Insurance Quote Today
With rising premiums, complex coverage requirements, and increasing claim frequencies, 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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