Otolaryngologist Medical Malpractice Insurance

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A Female Otolaryngologist With Medical Malpractice Insurance Examining The Ear Of A Male Patient

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.

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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 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.

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 $25,000 $1,000,000/$3,000,000
AR Little Rock $25,000 $1,000,000/$3,000,000
AZ Phoenix $30,000 $1,000,000/$3,000,000
CA Los Angeles $20,000 $1,000,000/$3,000,000
CO Denver $40,000 $1,000,000/$3,000,000
CT Bridgeport $60,000 $1,000,000/$4,000,000
DE Wilmington $40,000 $1,000,000/$3,000,000
DC Washington DC $65,000 $1,000,000/$3,000,000
FL* Miami $60,000 $1,000,000/$3,000,000
FL* Miami $45,000 $250,000/$750,000
GA Atlanta $35,000 $1,000,000/$3,000,000
HI Honolulu $40,000 $1,000,000/$3,000,000
IA Des Moines $20,000 $1,000,000/$3,000,000
ID Boise $15,000 $1,000,000/$3,000,000
IL Chicago $70,000 $1,000,000/$3,000,000
KS Wichita $20,000 + KS HCSF $200,000/$600,000
KY Louisville $30,000 $1,000,000/$3,000,000
IN Indianapolis $20,000 + IN PCF $250,000/$750,000
LA New Orleans $20,000 + LA PCF $1,000,000/$3,000,000
MA Boston $35,000 $1,000,000/$3,000,000
MD Baltimore $40,000 $1,000,000/$3,000,000
ME Portland $25,000 $1,000,000/$3,000,000
MI Detroit $50,000 $1,000,000/$3,000,000
MO St. Louis $40,000 $1,000,000/$3,000,000
MN Minneapolis $15,000 $1,000,000/$3,000,000
MS Jackson $45,000 $1,000,000/$3,000,000
MT Billings $50,000 $1,000,000/$3,000,000
NC Charlotte $15,000 $1,000,000/$3,000,000
ND Fargo $15,000 $1,000,000/$3,000,000
NE Omaha $15,000 $1,000,000/$3,000,000
NH Manchester $40,000 $1,000,000/$3,000,000
NM** Albuquerque $25,000 + NM PCF $200,000/600,000
NJ Newark $45,000 $1,000,000/$3,000,000
NV Las Vegas $40,000 $1,000,000/$3,000,000
NY Manhattan, NY $115,000 $1,300,000/$3,900,000
OH Columbus $20,000 $1,000,000/$3,000,000
OK Oklahoma City $35,000 $1,000,000/$3,000,000
OR Portland $20,000 $1,000,000/$3,000,000
PA Philadelphia $45,000 + MCARE $500,000/$1,500,000
RI Providence $30,000 $1,000,000/$3,000,000
SC Charleston $20,000 $1,000,000/$3,000,000
SD Sioux Falls $15,000 $1,000,000/$3,000,000
TN Nashville $30,000 $1,000,000/$3,000,000
TX* Houston $20,000 $200,000/$600,000
TX* Houston $20,000 $1,000,000/$3,000,000
UT Salt Lake City $30,000 $1,000,000/$3,000,000
VA Virginia Beach $30,000 $2,500,000/$7,500,000
VT Burlington $20,000 $1,000,000/$3,000,000
WA Seattle $30,000 $1,000,000/$3,000,000
WI Milwaukee $15,000 + PCF $1,000,000/$3,000,000
WV Charleston $20,000 $1,000,000/$3,000,000
WY Cheyenne $40,000 $1,000,000/$3,000,000

*These states offer limit options
** Only Occurrence; no Claims-Made coverage

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