Medical Malpractice Insurance is Different for OB/GYNs
OB/GYN is a high-risk specialty alongside neurosurgery and general surgery. Physicians in these high-risk specialties face an estimated 88% chance of their first claim by age 45, and 99% by age 65, compared to just 36% and 75%, respectively, for low-risk specialties like family medicine and psychiatry.
MEDPLI offers A-rated coverage and helps OB/GYNs save an average of 23%.
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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 OB/GYN Malpractice Insurance Policy
Once you choose a policy, we finalize coverage and send your Certificates of Insurance right away.
Customer Reviews
Why OB/GYN Malpractice Insurance Costs More
The specialty involves high-stakes outcomes, complex procedures, and longer liability exposure.
Common Drivers of OB/GYN Malpractice Claims
Most OB/GYN malpractice claims tend to fall into three main categories:
Top OB/GYN Malpractice Allegations
Other Medical Malpractice Insurance Challenges for OB/GYNs
Beyond clinical risk, OB/GYNs may also face insurance and practice conditions that can increase exposure over time:
Top OB/GYN Malpractice Allegations
Other Medical Malpractice Insurance Challenges for OB/GYNs
Beyond clinical risk, OB/GYNs may also face insurance and practice conditions that can increase exposure over time:
What Does OB/GYN 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.
OB/GYN Malpractice Insurance Costs (Updated for 2026)
Premiums vary widely depending on location, specific application details, and the insurance carrier’s underwriting process, with most OB/GYN malpractice insurance policies ranging from $45,000 to $80,000.
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.
Estimated OB/GYN Medical Malpractice Insurance Rates by State (2026)
| City | State | Premium Estimate | Limits of Liability |
|---|---|---|---|
| Birmingham | AL | $45,000 | $1,000,000/$3,000,000 |
| Little Rock | AR | $45,000 | $1,000,000/$3,000,000 |
| Phoenix | AZ | $65,000 | $1,000,000/$3,000,000 |
| Los Angeles | CA | $60,000 | $1,000,000/$3,000,000 |
| Denver | CO | $55,000 | $1,000,000/$3,000,000 |
| Bridgeport | CT | $90,000 | $1,000,000/$4,000,000 |
| Wilmington | DE | $65,000 | $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 | $45,000 | $1,000,000/$3,000,000 |
| Boise | ID | $40,000 | $1,000,000/$3,000,000 |
| Chicago | IL | $150,000 | $1,000,000/$3,000,000 |
| Wichita | KS | $45,000 + KS HCSF | $200,000/$600,000 |
| Louisville | KY | $55,000 | $1,000,000/$3,000,000 |
| Indianapolis | IN | $45,000 + IN PCF | $250,000/$750,000 |
| New Orleans | LA | $50,000 + LA PCF | $1,000,000/$3,000,000 |
| Boston | MA | $55,000 | $1,000,000/$3,000,000 |
| Baltimore | MD | $80,000 | $1,000,000/$3,000,000 |
| Portland | ME | $50,000 | $1,000,000/$3,000,000 |
| Detroit | MI | $80,000 | $1,000,000/$3,000,000 |
| St. Louis | MO | $65,000 | $1,000,000/$3,000,000 |
| Minneapolis | MN | $40,000 | $1,000,000/$3,000,000 |
| Jackson | MS | $70,000 | $1,000,000/$3,000,000 |
| Billings | MT | $75,000 | $1,000,000/$3,000,000 |
| Charlotte | NC | $50,000 | $1,000,000/$3,000,000 |
| Fargo | ND | $40,000 | $1,000,000/$3,000,000 |
| Omaha | NE | $40,000 | $1,000,000/$3,000,000 |
| Manchester | NH | $65,000 | $1,000,000/$3,000,000 |
| Albuquerque | NM | $60,000 + NM PCF | $250,000/750,000 (Only Occurrence; no Claims-Made coverage) |
| Newark | NJ | $70,000 | $1,000,000/$3,000,000 |
| Las Vegas | NV | $65,000 | $1,000,000/$3,000,000 |
| Manhattan, NY | NY | $180,000 | $1,300,000/$3,900,000 |
| Columbus | OH | $65,000 | $1,000,000/$3,000,000 |
| Oklahoma City | OK | $60,000 | $1,000,000/$3,000,000 |
| Portland | OR | $60,000 | $1,000,000/$3,000,000 |
| Philadelphia | PA | $65,000 + MCARE | $500,000/$1,500,000 |
| Providence | RI | $55,000 | $1,000,000/$3,000,000 |
| Charleston | SC | $55,000 | $1,000,000/$3,000,000 |
| Sioux Falls | SD | $40,000 | $1,000,000/$3,000,000 |
| Nashville | TN | $55,000 | $1,000,000/$3,000,000 |
| Houston | TX* | $45,000 | $200,000/$600,000 |
| Houston | TX* | $60,000 | $1,000,000/$3,000,000 |
| Salt Lake City | UT | $55,000 | $1,000,000/$3,000,000 |
| Burlington | VT | $45,000 | $1,000,000/$3,000,000 |
| Seattle | WA | $55,000 | $1,000,000/$3,000,000 |
| Virginia Beach | VA | $65,000 | $2,500,000/$7,500,000 |
| Milwaukee | WI | $40,000 + PCF | $1,000,000/$3,000,000 |
| Charleston | WI | $75,000 | $1,000,000/$3,000,000 |
| Cheyenne | WY | $65,000 | $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 OB/GYNs vary based on several factors:
MEDPLI helps you navigate these complexities and secure customized coverage that fits your needs—without overpaying.
Premier OB/GYN Malpractice & Liability Coverage in All 50 States
Our brokers customize the terms of OB/GYN malpractice policies to meet state-specific codes & requirements.
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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.
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OB/GYN Malpractice & Liability Insurance FAQs
Get Your OB/GYN 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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