OB/GYN examining patient's pregnancy with hands

OB/GYN Medical Malpractice Insurance

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.

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 does 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.

Surgeon in blue surgical gown binds the mouthguard for an emergency

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

*These states offer limit options

Contact MEDPLI today to get a fast quote for OB/GYN medical malpractice insurance.

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