OB/GYN Medical Malpractice Insurance

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Pregnant Patient being Examined By An OB/GYN With Medical Malpractice Insurance Coverage

Medical malpractice insurance is different for OB/GYNs.

OB/GYNs pay high malpractice insurance premiums due to the high-risk nature of birth and delivery. Having robust medical malpractice insurance from an A-rated carrier is the surest way to protect you from lawsuit damages, attorney fees, and more.

MEDPLI helps OB/GYNs save up to 28% on their insurance premiums. Contact us today to get a quote for your OB/GYN medical malpractice insurance.

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Why OB/GYNs Need Medical Malpractice Insurance

Although OB/GYNs are some of the most in-demand physicians by hospitals and most cherished by patients, their liability risk is high.

OB/GYNs tend to be sued for:

  • Maternal or fetal death

  • Failed tubal ligation

  • Timing and/or performance of a cesarean section

  • Bowel perforation

  • Shoulder dystocia

OB/GYNs are also at a higher chance of lawsuit due to their long tail exposure. Though most states have a 2-year statute of limitations on medical malpractice claims, most also allow the injured party to file from the “time of discovery”. The two years do not start until the injured party reaches eighteen-years-old, so technically, OB/GYN patients have up to twenty-one years to file a medical malpractice claim.

The right medical malpractice insurance will protect you from multiple factors in the event of a lawsuit. These are:

  • Monetary damages awarded to the plaintiff

  • Attorney’s fees

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

OB/GYN Medical Malpractice Insurance Rates

Rates for OB/GYN medical malpractice insurance vary widely by 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 $35,000 $1,000,000/$3,000,000
Little Rock AR $40,000 $1,000,000/$3,000,000
Phoenix AZ $55,000 $1,000,000/$3,000,000
Los Angeles CA $40,000 $1,000,000/$3,000,000
Denver CO $50,000 $1,000,000/$3,000,000
Bridgeport CT $65,000 $1,000,000/$4,000,000
Wilmington DE $70,000 $1,000,000/$3,000,000
Washington DC $110,000 $1,000,000/$3,000,000
Miami FL* $90,000 $1,000,000/$3,000,000
Miami FL* $70,000 $250,000/$750,000
Atlanta GA $60,000 $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 $110,000 $1,000,000/$3,000,000
Wichita KS $25,000 + KS HCSF $200,000/$600,000
Louisville KY $65,000 $1,000,000/$3,000,000
Indianapolis IN $25,000 + IN PCF $250,000/$750,000
New Orleans LA $30,000 + LA PCF $100,000/$300,000
Boston MA $65,000 $1,000,000/$3,000,000
Baltimore MD $100,000 $1,000,000/$3,000,000
Portland ME $40,000 $1,000,000/$3,000,000
Detroit MI $85,000 $1,000,000/$3,000,000
St. Louis MO $65,000 $1,000,000/$3,000,000
Minneapolis MN $25,000 $1,000,000/$3,000,000
Jackson MS $75,000 $1,000,000/$3,000,000
Billings MT $70,000 $1,000,000/$3,000,000
Charlotte NC $50,000 $1,000,000/$3,000,000
Fargo ND $30,000 $1,000,000/$3,000,000
Omaha NE $20,000 $1,000,000/$3,000,000
Manchester NH $50,000 $1,000,000/$3,000,000
Albuquerque NM $40,000 + NM PCF $200,000/600,000 (Only Occurrence; no Claims-Made coverage)
Newark NJ $80,000 $1,000,000/$3,000,000
Las Vegas NV $70,000 $1,000,000/$3,000,000
Manhattan, NY NY $175,000 $1,300,000/$3,900,000
Columbus OH $70,000 $1,000,000/$3,000,000
Oklahoma City OK $55,000 $1,000,000/$3,000,000
Portland OR $35,000 $1,000,000/$3,000,000
Philadelphia PA $70,000 + MCARE $500,000/$1,500,000
Providence RI $50,000 $1,000,000/$3,000,000
Charleston SC $50,000 $1,000,000/$3,000,000
Sioux Falls SD $20,000 $1,000,000/$3,000,000
Nashville TN $45,000 $1,000,000/$3,000,000
Houston TX* $25,000 $200,000/$600,000
Houston TX* $40,000 $1,000,000/$3,000,000
Salt Lake City UT $50,000 $1,000,000/$3,000,000
Burlington VT $35,000 $1,000,000/$3,000,000
Seattle WA $45,000 $1,000,000/$3,000,000
Virginia Beach VA $60,000 $2,450,000/$7,350,000
Milwaukee WI $20,000 + PCF $1,000,000/$3,000,000
Charleston
WV $75,000 $1,000,000/$3,000,000
Cheyenne WY $70,000 $1,000,000/$3,000,000

*These states offer limit options

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