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[Specialties](https://medpli.com/specialties/) - [State Buying Guides](https://medpli.com/states/) - [About](https://medpli.com/about-us/) - News & Blog[Blog](https://medpli.com/medical-malpractice-insurance-blog/) - [In The News](https://medpli.com/news/) - [Get Quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/) [](tel:1-800-969-1339) [1-800-969-1339](tel:1-800-969-1339) [](https://medpli.com/get-your-medical-malpractice-insurance-quote/) [GET A FREE QUOTE](https://medpli.com/#quote) Otolaryngologist Medical Malpractice Insurance[Max Schloemann](https://medpli.com/author/max-schloemann/)2024-02-20T14:07:03-06:00 # Otolaryngologist Medical Malpractice Insurance - [Home](https://medpli.com) - [Specialties](https://medpli.com/specialties/) - Otolaryngologist Medical Malpractice Insurance [GET QUOTE](#quote) ## MEDPLI finds otolaryngologists quick and easy medical malpractice insurance solutions for a variety of subspecialties, including: - * Facial Plastics & Reconstructive Surgeons - ** Head & Neck Oncologists - ** Laryngologists - ** Otologists, Neurotologists & Skull Base Surgeons - ** Pediatric Otolaryngologists - ** Rhinologists, Sinus & Anterior Endoscopic Skull Base Surgeons and more The independent brokers at MEDPLI match you with the best policy for your practice and can save you up to 28% on your insurance premiums. Contact us today to get an otolaryngology medical malpractice insurance quote from an A-rated carrier. [Get Quote](#quote) ## 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](#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: - ** improper surgical performance (49%) - ** failure to diagnose, refer, or treat (32%) In a Harvard Medical School [study](https://www.enttoday.org/article/future-study-of-malpractice-lawsuits-against-otolaryngologists-by-subspecialty-may-be-warranted/) of otolaryngology related malpractice lawsuits that went to court between 2010 and 2019, the most frequently implicated subspecialties were: - ** rhinology (28%) - ** head and neck surgery (17%) - ** facial plastics (7%) **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: - ** Monetary damages awarded to the plaintiff - ** Attorney’s fees 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. Canceled or Non-Renewed? MEDPLI Is Your Best Ally. Don’t settle for inadequate coverage and exorbitant rates. Even when you are denied coverage, our insurance brokers can find you the right malpractice insurance solution at the lowest possible rate. [GET A QUOTE](#quote) ## GET QUOTE #### Get a fast quote for otolaryngologist medical malpractice insurance. 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Through our A-rated insurance partners, we provide insurance solutions to doctors and healthcare providers in the United States. - [ Home](https://medpli.com/) - [ Services](https://medpli.com/products-services/)[ Telemedicine Insurance](https://medpli.com/products-services/telemedicine-malpractice-insurance/) - [ Tail Insurance](https://medpli.com/products-services/tail-malpractice-insurance/) - [ Private Practice Insurance](https://medpli.com/products-services/private-practice-insurance/) - [ Medical Practice Risk Assessment](https://medpli.com/products-services/medical-practice-risk-assessment/) - [ Medical Facility Insurance](https://medpli.com/products-services/medical-facility-insurance/) - [ Group Insurance](https://medpli.com/products-services/group-medical-malpractice-insurance/) - [ Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/) - [ Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/) - [ Specialties](https://medpli.com/specialties/)[ Anesthesiologists](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/) - [ Bariatric Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-bariatric-surgeons/) - [ Cardiologists](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) - [ Dermatologists](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/) - [ Family Medicine](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/) - [ Gastroenterologists](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/) - [ General Surgeons](https://medpli.com/specialties/malpractice-insurance-general-surgeons/) - [ Hospitalists](https://medpli.com/specialties/hospitalist-medical-malpractice-insurance/) - [ Internists](https://medpli.com/specialties/internist-medical-malpractice-insurance/) - [ Ketamine Infusion Therapy](https://medpli.com/specialties/ketamine-infusion-malpractice-insurance/) - [ Medical Spas](https://medpli.com/specialties/medical-spa-malpractice-insurance/) - [ Neurologists](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/) - [ Neurosurgeons](https://medpli.com/specialties/malpractice-insurance-neurosurgeons/) - [ OB/GYNs](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) - [ Orthopedic Surgeons](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons-new/) - [ Otolaryngologists](https://medpli.com/specialties/otolaryngologist-medical-malpractice-insurance/) - [ Plastic Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-plastic-surgeons/) - [ Psychiatrists](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) - [ Radiologists](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/) - [ State Buying Guides](https://medpli.com/states/) - [ About](https://medpli.com/about-us/)[ Staff](https://medpli.com/about-our-staff/) - News & Blog[ In The News](https://medpli.com/news/) - [ Privacy Policy](https://medpli.com/privacy-policy/) - [ Contact Us](https://medpli.com/contact-us/) Telephone: [800-969-1339](tel:800-969-1339) Email: [info@medpli.com](mailto:info@medpli.com) MEDPLI Insurance Services 1740 Innovation Drive, Ste. 44 Carbondale, IL 62903 [](https://medpli.epaypolicy.com/) *The information on this page is provided for general informational purposes only and is not intended to constitute insurance or legal advice**.  MEDPLI is not a law firm and does not provide legal advice.* * **MEDPLI Insurance Services**, LLC is an independent insurance broker dedicated to helping doctors find the coverage that best fits their professional needs. * MEDPLI © 2026 All Rights Reserved. [Privacy Policy](https://medpli.com/privacy-policy/) [LinkedIn](https://www.linkedin.com/company/medpli-professional-liability-insurance)[Facebook](https://www.facebook.com/Medpli/)[YouTube](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[Instagram](https://www.instagram.com/medpli/)[X](https://twitter.com/MedpliMax) [Page load link](#) Tail coverage term lengths range from 1 year to unlimited. Standard terms are for 2, 3, and 5 years. **Expert tip:** Choose tail coverage that extends beyond your state’s malpractice claim statute of limitations. Most physicians prefer unlimited-term policies for lasting protection, even if shorter options cost less. ** × Without tail insurance coverage, a physician can be financially liable for future claims from patient care that occured during the lapsed claims-made policy period. This liability can range from thousands to millions of dollars, based on the severity of the claim. Expert Tip:** Use our **[Medical Malpractice Payouts By State Tool](https://medpli.com/medical-malpractice-payouts-by-state/)** to get a sense of what the medical malpractice payout landscape is like in different states. ** × Tail insurance should be secured by the last day of the active claims-made policy. Often, the incumbent carrier offers a 30-day window after the policy lapses for a doctor to exercise the option to buy their tail policy. We recommend that you pursue standalone quotes before accepting an incumbent offer. Starting that process when you decide to change employers will provide more opportunities to compare quotes and secure the best rate. Expert Tip:** If you’re planning to leave your employer or have already done so, reach out to a medical malpractice insurance broker right away. Timing is critical for securing proper coverage. ** × Each medical specialty has its own insurance risk profile, which may require specialized tail insurance. A policy must reflect the exact circumstances of a physician’s practice and cover all services provided. × Tail coverage protects doctors against any future claims that have yet to be reported. × What does tail insurance typically cover?**** Tail insurance covers any financial liability associated with a medical malpractice claim. This includes: - Legal fees - Expert witnesses - Settlements - Any damages awarded to the plaintiff × When is tail coverage necessary?** Tail coverage is necessary is specific situations, primarily for professionals and organizations that use **[claims-made insurance policies](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/#:~:text=claim%20is%20submitted.-,2.%20Do%20Occurrence%20and%20Claims%2DMade%20Policies%20Offer%20Different%20Benefits%3F,-As%20you%20decide)**. There are four common instances when it’s needed: - When You’re Leaving a Claims-Made Policy - When Switching Insurers or Jobs - When Retiring or Closing a Practice - When Contractually Required × Tail insurance protects you from claims made after your claims-made policy ends. It covers incidents that occurred while you were insured but are reported later, after your policy’s cancellation date. Without tail coverage, you’d be personally responsible for any lawsuits or legal costs that arise afterward, which can cost hundreds of thousands of dollars. **Expert Tip:** When changing jobs, review your insurance program with an **[experienced broker](https://medpli.com/contact-us/)** who knows how to navigate the fine print and ensure you’re protected. × Get a Quote Name *FirstLastSpecialty *Select your SpecialtyAesthetic MedicineAllergyAnesthesiologyCardiology-InvasiveCardiology-Non InvasiveConciergeDermatologyDirect Primary Care (DPC)Emergency MedicineEndocrinologyFamily PracticeFunctional MedicineGastroenterologyGynecology - No SurgeryHematologyHormone Replacement TherapyIndependent Medical Evaluations (IME)Infectious DiseaseInternal MedicineKetamine Infusion TherapyMedical DirectorMidwiferyNeonatologyNephrologyNeurologyOB/GYNOccupational MedicineOncologyOphthalmologyPain ManagementPathologyPediatricsPhysical Medicine/RehabilitationPodiatry - No SurgeryPodiatry - SurgeryPsychiatryPulmonary DiseaseRadiologyRadiology - InterventionalRheumatologySurgery: BariatricSurgery: Cardiovascular ThoracicSurgery: General (Including Trauma)Surgery: HandSurgery: NeurosurgerySurgery: OncologySurgery: Orthopedic without SpineSurgery: Orthopedic with SpineSurgery: PlasticSurgery: Colon & RectalSurgery: GynecologySurgery: Otorhinolaryngology with elective plasticSurgery: Otorhinolaryngology-no elective plasticSurgery: UrologySurgery: VascularSurgery: ThoracicWeight Loss MedicineOtherDegree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOtherNextPhone *Email *State *Select a StateAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNational Provider Identifier (NPI)(optional)Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. 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