MEDPLI finds otolaryngologists quick and easy medical malpractice insurance solutions for a variety of subspecialties, including:
Otolaryngologist Medical Malpractice Insurance Rates
Rates for otolaryngologist medical malpractice insurance vary widely by subspecialty and location, making it imperative to work with a knowledgeable broker regarding your unique practice. 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.
| State | City | Premium Estimate | Limits of Liability |
|---|---|---|---|
| AL | Birmingham | $35,000 | $1,000,000/$3,000,000 |
| AR | Little Rock | $35,000 | $1,000,000/$3,000,000 |
| AZ | Phoenix | $40,000 | $1,000,000/$3,000,000 |
| CA | Los Angeles | $30,000 | $1,000,000/$3,000,000 |
| CO | Denver | $50,000 | $1,000,000/$3,000,000 |
| CT | Bridgeport | $70,000 | $1,000,000/$4,000,000 |
| DE | Wilmington | $50,000 | $1,000,000/$3,000,000 |
| DC | Washington DC | $75,000 | $1,000,000/$3,000,000 |
| FL* | Miami | $70,000 | $1,000,000/$3,000,000 |
| FL* | Miami | $55,000 | $250,000/$750,000 |
| GA | Atlanta | $45,000 | $1,000,000/$3,000,000 |
| HI | Honolulu | $50,000 | $1,000,000/$3,000,000 |
| IA | Des Moines | $30,000 | $1,000,000/$3,000,000 |
| ID | Boise | $25,000 | $1,000,000/$3,000,000 |
| IL | Chicago | $80,000 | $1,000,000/$3,000,000 |
| KS | Wichita | $30,000 + KS HCSF | $200,000/$600,000 |
| KY | Louisville | $40,000 | $1,000,000/$3,000,000 |
| IN | Indianapolis | $30,000 + IN PCF | $250,000/$750,000 |
| LA | New Orleans | $30,000 + LA PCF | $1,000,000/$3,000,000 |
| MA | Boston | $45,000 | $1,000,000/$3,000,000 |
| MD | Baltimore | $50,000 | $1,000,000/$3,000,000 |
| ME | Portland | $35,000 | $1,000,000/$3,000,000 |
| MI | Detroit | $60,000 | $1,000,000/$3,000,000 |
| MO | St. Louis | $50,000 | $1,000,000/$3,000,000 |
| MN | Minneapolis | $25,000 | $1,000,000/$3,000,000 |
| MS | Jackson | $55,000 | $1,000,000/$3,000,000 |
| MT | Billings | $60,000 | $1,000,000/$3,000,000 |
| NC | Charlotte | $25,000 | $1,000,000/$3,000,000 |
| ND | Fargo | $25,000 | $1,000,000/$3,000,000 |
| NE | Omaha | $25,000 | $1,000,000/$3,000,000 |
| NH | Manchester | $50,000 | $1,000,000/$3,000,000 |
| NM** | Albuquerque | $35,000 + NM PCF | $200,000/600,000 |
| NJ | Newark | $55,000 | $1,000,000/$3,000,000 |
| NV | Las Vegas | $50,000 | $1,000,000/$3,000,000 |
| NY | Manhattan, NY | $125,000 | $1,300,000/$3,900,000 |
| OH | Columbus | $30,000 | $1,000,000/$3,000,000 |
| OK | Oklahoma City | $45,000 | $1,000,000/$3,000,000 |
| OR | Portland | $30,000 | $1,000,000/$3,000,000 |
| PA | Philadelphia | $55,000 + MCARE | $500,000/$1,500,000 |
| RI | Providence | $40,000 | $1,000,000/$3,000,000 |
| SC | Charleston | $30,000 | $1,000,000/$3,000,000 |
| SD | Sioux Falls | $25,000 | $1,000,000/$3,000,000 |
| TN | Nashville | $40,000 | $1,000,000/$3,000,000 |
| TX* | Houston | $30,000 | $200,000/$600,000 |
| TX* | Houston | $30,000 | $1,000,000/$3,000,000 |
| UT | Salt Lake City | $40,000 | $1,000,000/$3,000,000 |
| VA | Virginia Beach | $40,000 | $2,500,000/$7,500,000 |
| VT | Burlington | $30,000 | $1,000,000/$3,000,000 |
| WA | Seattle | $40,000 | $1,000,000/$3,000,000 |
| WI | Milwaukee | $25,000 + PCF | $1,000,000/$3,000,000 |
| WV | Charleston | $30,000 | $1,000,000/$3,000,000 |
| WY | Cheyenne | $50,000 | $1,000,000/$3,000,000 |
*These states offer limit options
** Only Occurrence; no Claims-Made coverage
Why Otolaryngologists Need Medical Malpractice Insurance
Otolaryngology is one of the top ten specialties most likely to be sued, making a malpractice claim likely within an otolaryngologist’s career.
Otolaryngologists tend to be sued for:
In a Harvard Medical School study of otolaryngology related malpractice lawsuits that went to court between 2010 and 2019, the most frequently implicated subspecialties were:
The most common procedures associated with these claims were endoscopic sinus surgery, tonsillectomy and adenoidectomy, and thyroidectomy. Along with these procedures, the most commonly reported complications were “penetration of adjacent orbital and/or intracranial structures, hemorrhage, and laryngeal nerve injury.”
Of the cases ruled in favor of the plaintiff, the average indemnity of cases ruled in favor of the plaintiff was $4.24 M.
To help reduce malpractice risk, otolaryngologists are encouraged to keep detailed records and use what little doctor-patient face time they may have to establish a positive relationship that encourages open communication and prioritizes informed consent.
The right liability policy will also help protect you from harm in the event of a lawsuit. Malpractice insurance covers:
Though many (not all) states have no legal requirement for otolaryngologists to maintain malpractice insurance, a survey by the American Medical Association found that almost 93% of otolaryngologists carried a liability policy from an insurance carrier.