Customer Reviews
Radiology Is One of the Highest-Risk Specialties for Malpractice Claims
Radiology Is One of the Highest-Risk Specialties for Malpractice Claims
Several factors are driving increased malpractice risk and rising premiums for radiologists:
- High likelihood of lawsuits compared to other specialties
- Rapid adoption of AI-assisted diagnostics, introducing new liability risks
- A surge in nuclear verdicts, increasing claim severity, and insurer risk exposure
Medical malpractice payouts across all specialties in the U.S. from 2015-2025
-according to the National Practitioner Data Bank (NPDB) Data Analysis Tool
Physicians use AI professionally – more than double the rate in 2023
-according to the American Medical Association (2026)
Radiologists aged 55+ who have been sued at least once
-according to the American Medical Association (2023)
Radiology malpractice cases citing permanent injury or death
-according to MedPro Group and MLMIC Claims Data Snapshot (2025)
Secure Malpractice Coverage for Radiologists in 3 Simple Steps
Coverage Assessment
We evaluate your practice profile, liability exposure, and contractual requirements to determine appropriate coverage levels.
Market Comparison & Strategy
We analyze quotes from multiple A-rated carriers, identify coverage differences, and guide you toward the strongest option based on risk, cost, and long-term flexibility.
Policy Selection & Implementation
Once you choose a policy, we finalize coverage, issue your Certificates of Insurance, and ensure you’re fully compliant and protected.
What Radiologist Malpractice Insurance Covers
Radiologist malpractice insurance is designed to protect personal and practice assets when claims arise from:
Coverage typically includes legal defense costs, settlements, and judgments up to your policy limits, helping protect your financial stability and professional reputation.
Strong liability coverage is your best defense. Safeguard your career and reputation with malpractice insurance built for radiologists.
Radiologist Malpractice Insurance Costs (Updated for 2026)
Premiums vary based on location, claims history, and individual risk profile. Most radiologists can expect annual premiums ranging from $19,000 to $34,000, with higher costs in more litigious states.
Higher-risk jurisdictions and prior claims history can significantly increase premiums, particularly as claim severity continues to rise.
Estimated Medical Malpractice Insurance Rates by State: Radiologists (2026)
| City | State | Premium Estimate | Limits of Liability |
|---|---|---|---|
| Birmingham | AL | $22,000 | $1,000,000/$3,000,000 |
| Little Rock | AR | $21,000 | $1,000,000/$3,000,000 |
| Phoenix | AZ | $24,000 | $1,000,000/$3,000,000 |
| Los Angeles | CA | $21,000 | $1,000,000/$3,000,000 |
| Denver | CO | $24,000 | $1,000,000/$3,000,000 |
| Bridgeport | CT | $33,000 | $1,000,000/$4,000,000 |
| Wilmington | DE | $29,000 | $1,000,000/$3,000,000 |
| Washington DC | $37,000 | $1,000,000/$3,000,000 | |
| Miami | FL* | $55,000 | $1,000,000/$3,000,000 |
| Miami | FL* | $39,000 | $250,000/$750,000 |
| Atlanta | GA | $29,000 | $1,000,000/$3,000,000 |
| Honolulu | HI | $31,000 | $1,000,000/$3,000,000 |
| Des Moines | IA | $20,000 | $1,000,000/$3,000,000 |
| Boise | ID | $19,000 | $1,000,000/$3,000,000 |
| Chicago | IL | $44,000 | $1,000,000/$3,000,000 |
| Wichita | KS | $19,000 + KS HCSF | $200,000/$600,000 |
| Louisville | KY | $30,000 | $1,000,000/$3,000,000 |
| Indianapolis | IN | $19,000 + IN PCF | $250,000/$750,000 |
| New Orleans | LA | $23,000 + LA PCF | $1,000,000/$3,000,000 |
| Boston | MA | $30,000 | $1,000,000/$3,000,000 |
| Baltimore | MD | $31,000 | $1,000,000/$3,000,000 |
| Portland | ME | $27,000 | $1,000,000/$3,000,000 |
| Detroit | MI | $30,000 | $1,000,000/$3,000,000 |
| St. Louis | MO | $29,000 | $1,000,000/$3,000,000 |
| Minneapolis | MN | $19,000 | $1,000,000/$3,000,000 |
| Jackson | MS | $31,000 | $1,000,000/$3,000,000 |
| Billings | MT | $30,000 | $1,000,000/$3,000,000 |
| Charlotte | NC | $23,000 | $1,000,000/$3,000,000 |
| Fargo | ND | $20,000 | $1,000,000/$3,000,000 |
| Omaha | NE | $16,000 | $1,000,000/$3,000,000 |
| Manchester | NH | $29,000 | $1,000,000/$3,000,000 |
| Albuquerque | NM | $28,000 + NM PCF | $200,000/600,000 |
| Newark | NJ | $34,000 | $1,000,000/$3,000,000 |
| Las Vegas | NV | $33,000 | $1,000,000/$3,000,000 |
| Manhattan, NY | NY | $65,000 | $1,300,000/$3,900,000 |
| Columbus | OH | $30,000 | $1,000,000/$3,000,000 |
| Oklahoma City | OK | $30,000 | $1,000,000/$3,000,000 |
| Portland | OR | $23,000 | $1,000,000/$3,000,000 |
| Philadelphia | PA | $36,000 + MCARE | $500,000/$1,500,000 |
| Providence | RI | $33,000 | $1,000,000/$3,000,000 |
| Charleston | SC | $25,000 | $1,000,000/$3,000,000 |
| Sioux Falls | SD | $19,000 | $1,000,000/$3,000,000 |
| Nashville | TN | $28,000 | $1,000,000/$3,000,000 |
| Houston | TX* | $21,000 | $200,000/$600,000 |
| Houston | TX* | $30,000 | $1,000,000/$3,000,000 |
| Salt Lake City | UT | $23,000 | $1,000,000/$3,000,000 |
| Virginia Beach | VA | $29,000 | $2,700,000/$8,100,000 |
| Burlington | VT | $22,000 | $1,000,000/$3,000,000 |
| Seattle | WA | $26,000 | $1,000,000/$3,000,000 |
| Milwaukee | WI | $18,000 + PCF | $1,000,000/$3,000,000 |
| Charleston | WI | $34,000 | $1,000,000/$3,000,000 |
| Cheyenne | WY | $27,000 | $1,000,000/$3,000,000 |
*These states have limit options
** Only Occurrence; no Claims-Made coverage
Note: These rates are approximate, and each individual’s unique factors can affect their premium.
Malpractice insurance costs vary by:
We Provide Medical Malpractice Coverage in All 50 States
Our brokers customize radiologist malpractice policies to meet state-specific requirements, ensuring you remain compliant while optimizing coverage.
A Simpler Way to Secure Radiology Malpractice Coverage
Save Time & Money
MEDPLI clients save an average of 23% on insurance premiums. We handle the policy comparisons, so you can focus on quality patient care.
Healthcare Industry Expertise
We exclusively broker medical malpractice insurance, solely focused on the coverage needs of physicians and surgeons.
Local Customer Service
Your dedicated U.S.-based broker is available by phone whenever you have questions.
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
Radiology Liability & Malpractice Insurance FAQs
Costs vary widely based on the state in which you practice, claims history, and policy type. Additionally, claims rise significantly, sometimes doubling or tripling, if your claims history includes multiple lawsuits.
MEDPLI brokers will provide you with a free, personalized quote based on your unique needs and circumstances.
Radiologists typically choose between claims-made and occurrence malpractice policies. The main difference between the two is timing:
- Claims-made policies only cover claims if both the incident and claim occur while the policy is active.
- Occurrence policies cover any incident that happens during the policy period, regardless of when it’s filed. But in some states, carriers don’t offer occurrence policies, and those that do often don’t offer occurrence options to doctors in high-risk specialties.
Radiologists with a claims-made policy need to account for tail insurance when changing careers or policies. Tail coverage covers future claims stemming from past patient care.
It depends on your location, risk profile, patient volume, malpractice needs, budget, and available options (occurrence, claims-made, or both).
At MEDPLI, we help radiation oncologists, diagnostic radiologists, interventional radiologists, and other radiology specialists compare personalized options and secure coverage that aligns with their specific risk exposure and practice needs.
Fill out MEDPLI’s free quote form, email info@medpli.com, or give us a call at 800-969-1339. We’ll help you gather the necessary information, compare coverage options from top-rated carriers, and help you navigate the process of choosing the right policy.
While these top insurance providers offer excellent coverage, the “best” carrier varies for each physician based on their coverage needs, location, and unique risk profile.
Requirements vary by state, but typical liability limits on radiology professional liability policies are $1,000,000 per claim and $3,000,000 annual aggregate. Excess limits are available and sometimes required by law or individual needs.
Work with a specialized medical malpractice broker who understands radiologists’ unique risks and knows how to read malpractice policy fine print.
MEDPLI brokers review your policy for:
Get Your Radiologist Malpractice Insurance Quote Today
With rising premiums, increasing claim severity, and evolving risk factors, choosing the right malpractice coverage is more critical than ever.
Work with a specialized broker who understands radiology risk—and how to protect against it.
Get expert coverage designed for your practice.