OB/GYNs Need Robust Medical Malpractice Insurance in 2026
Medical malpractice payouts across all specialties in the U.S. from 2015-2025
*according to the National Practitioner Data Bank (NPDB) Data Analysis Tool
Obstetrics Malpractice Lawsuits: Nationwide Claimant Type & Location Data
Obstetricians are most often sued for care provided in inpatient settings, with labor and delivery accounting for 73% of cases.
Source: MLMIC & MedPro Group
Gynecology Malpractice Lawsuits: Nationwide Claimant Type & Location Data
Gynecologists are most often sued for care provided in ambulatory settings, with inpatient surgery accounting for 38% of cases.
Source: MLMIC & MedPro Group
Medical Malpractice Insurance is Different for OB/GYNs
OB/GYNs face some of the highest malpractice risks of any specialty. They are sued far more often than many lower-risk fields, and claims can involve severe outcomes, both of which typically lead to higher premiums.
MEDPLI offers A-rated coverage and helps OB/GYNs save an average of 23%.
Get a Free Quote
Customer Reviews
Why OB/GYN Malpractice Insurance Costs More
OB/GYN malpractice insurance is priced differently because the specialty involves high-stakes outcomes, complex procedures, and longer exposure to liability.
High-Risk Factors in OB/GYN
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:
Secure Coverage for Your Practice 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 OB/GYN Malpractice Insurance Policy
Once you choose a policy, we finalize coverage and send your Certificates of Insurance right away.
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:
An experienced medical malpractice broker 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.
States We Work In:
OB/GYN Medical Malpractice Coverage Made Simple
Save Time & Money
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.
Healthcare Industry Expertise
We exclusively broker medical malpractice insurance, entirely focused on the coverage needs of healthcare physicians and surgeons.
Local Customer Service
Your dedicated U.S.-based broker is available by phone whenever you have questions or concerns.
Ongoing Support
If you move states, change practices, or update your risk profile, we keep you covered with proactive policy consultations & updates.
What Our Clients Have to Say
“I had an exceptional experience with MEDPLI Insurance Services! Max, the CEO, went above and beyond to address my malpractice tail insurance needs. He provided multiple options, ensuring I found the best coverage at the most competitive price. His professionalism, expertise, and dedication made the entire process seamless and stress-free. I highly recommend MEDPLI for anyone seeking top-notch insurance services!”
“Extremely helpful and prompt. Very happy with the service I have been provided over the years. I tried other companies for a couple of years, but I will be sticking with MEDPLI from now on.”
“Always great to deal with. They make the necessary evil of insurance as palatable as possible.”
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.
Get expert coverage designed specifically for OB/GYNs like you.