Medical Malpractice Insurance for Plastic Surgeons

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A Female Liposuction Patient Consulting With A Plastic Surgeon Who Is Protected By Medical Malpractice Insurance

Plastic surgeons experience one of the highest rates of medical malpractice lawsuits and need robust insurance protection for their practices.

Plastic surgery is a broad field that encompasses a wide range of care – everything from skin grafts for burn victims to body contouring and reshaping.

  • Studies show that plastic surgeons are at especially high risk of experiencing a lawsuit, with 13% of plastic surgeons facing malpractice claims annually

  • The majority of medical malpractice claims against plastic surgeons come from the elective, cosmetic portion of their practice

  • From 2009 to 2015, the mean plaintiff award in plastic surgery claims was over $1M

  • Though most lawsuits are eventually settled in favor of the surgeon, even winning cases can rack up exorbitant legal fees and defense costs

MEDPLI helps plastic surgeons find tailored medical malpractice insurance solutions from trusted carriers with a proven track record of success. Contact us for a quote today and save an average of 28% on your insurance premiums.

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Why Plastic Surgeons Need Medical Malpractice Insurance

No matter how competent the surgeon may be, it is impossible to eliminate the risk of litigation.

One of the main reasons people sue for malpractice can be traced back to a lack of communication. This is especially true for plastic surgeons. Many patients have high expectations of the aesthetic procedures they undergo. Surgeons need to be able to interpret a patient’s desires and communicate whether or not those expectations are realistic.

Typical complaints in plastic surgery malpractice claims include issues that develop post-op, like nerve or aesthetic damage. Plastic surgeons are most commonly sued for problems related to:

  • Breast surgery (the most commonly performed plastic surgery procedure)

  • Liposuction

  • Body Contouring

According to the American Society of Plastic Surgeons, the best way to mitigate medical malpractice risk is to develop a genuine relationship with the patient that is built on open communication and that agrees upon what a reasonable surgical outcome will look like.

In the event of a lawsuit brought about by a dissatisfied or injured patient, the right medical malpractice insurance will protect you from:

  • Monetary damages awarded to the plaintiff

  • Attorney’s fees

Though not all states require surgeons to carry malpractice insurance, many plastic surgeons choose to be insured because of the high risk that they will experience an expensive lawsuit during their career.

Medical Malpractice Insurance Rates for Plastic Surgeons

Rates for plastic surgeons cost more than an average physician policy but less than other specialties like neuro and cardiovascular surgery. Premiums are affected by a variety of factors including types of procedures offered, experience, claims history, and location.

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 $30,000 $1,000,000/$3,000,000
Los Angeles CA $20,000 $1,000,000/$3,000,000
Denver CO $40,000 $1,000,000/$3,000,000
Bridgeport CT $60,000 $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 $70,000 $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 $40,000 $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 $15,000 $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 $20,000 $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 $45,000 + MCARE $500,000/$1,500,000
Providence RI $30,000 $1,000,000/$3,000,000
Charleston SC $20,000 $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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