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[1-800-969-1339](tel:1-800-969-1339) | [info@medpli.com](mailto:info@medpli.com) [466 reviews · Rating: 5.0 ★★★★★](https://search.google.com/local/reviews?placeid=ChIJuRnO-eY7d4gRBy0olsLRO8I) [**The 2027 Tail Insurance Outlook:** What Every Physician Should Know Now](https://medpli.com/the-2027-tail-insurance-outlook-what-every-physician-should-know-now/) [*](https://medpli.com/)[](https://medpli.com/)**Toggle Navigation- [SERVICES](https://medpli.com/products-services/)[Telemedicine Malpractice 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/) - 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[Home](https://medpli.com) - Texas Medical Malpractice Insurance: 2027 Buyer’s Guide ### Texas Medical Malpractice Insurance: 2027 Buyer’s Guide [Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)November 3rd, 2026 ### Texas physicians face increasing liability risks and rising insurance costs in 2027. Use this resource to compare carriers, understand your risk, and secure the right protection for your practice.* ## Get a Free 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) package, Field Lead (Optional) Upload supporting documents (current policy package, CV, NPDB report, and any prior claims information) Drag & Drop Files, Choose Files to Upload You can upload up to 5 files. Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.Submit ## We Find Physicians Policies from A-Rated Malpractice Carriers, Averaging 20% in Premium Savings. Texas doctors face increasing liability risks and rising insurance costs in 2027. Use this resource to compare carriers, understand your risk, and secure the right protection for your practice. ### Table of Contents ## Customer Reviews EXCELLENT Based on 466 reviews Posted on Google Jennifer Truong Trustindex verifies that the original source of the review is Google. Max was very thorough and prompt. They do request a lot of information compared to other companies where I reached out directly like TDC. They gave me options and was quick to respond. Would reach out to them again. Owner's reply Thank you for the 5 star review! We are thorough in seeking out the best coverage fit from all the top companies like TDC, etc. Best wishes in your practice! Posted on Google Satya Patel Trustindex verifies that the original source of the review is Google. Responsive malpractice insurance agency. good staff. will do business again. Owner's reply Thank you, Dr. Patel! We are a tight-knit team that works hard to deliver the best results for our physician clients. Take care! Posted on Google Granville Martin Trustindex verifies that the original source of the review is Google. Last month, Max, Erin and the team at MedPLI did an amazing job as the clock ticked down on the expiration of our medmal insurance. Due to a little known change in Connecticut law, our existing carrier would not renew our policy, and we had to had to scramble for new coverage. Max stepped in, quickly understood our problem, got bids from different insurers and in the space of a couple of days secured coverage for our psychiatry practice. Max and MedPLI have my strongest endorsement: thorough, flexible and quick. A great partner. Owner's reply ❤️ Posted on Google Ozzie Rodriguez Trustindex verifies that the original source of the review is Google. Very helpful in getting my tail coverage. Great company. Owner's reply Tail coverage can be overwhelming, and we are here to make it easier! 🫶 Posted on Google Ethan Triplett Trustindex verifies that the original source of the review is Google. I worked with Max and he was knowledgeable, professional, and responsive. Highly recommended. Posted on Google george lodeiro Trustindex verifies that the original source of the review is Google. Very thorough and addressed all my needs . Posted on Google Andy Garcia Trustindex verifies that the original source of the review is Google. Outstanding experience with Max. Would recommend working with him for any of your malpractice needs. Posted on Google Michael Ferri Trustindex verifies that the original source of the review is Google. MEDPLI was able to handle and solve our group professional liability insurance needs when other brokers could not. The difference was that they listened to our questions (repeatedly) and uncertainties, helped us know what questions to ask, showed us that they understood, and then went to bat for us with the underwriters. I feel confident that we've got the coverage we need now. Posted on Google Grace Jazrawi Trustindex verifies that the original source of the review is Google. I loved working with Mr. Schloemann and his team. They were easy to communicate with and efficient and finding the best insurance plan for my practice. Owner's reply Thank you for the kind review, Dr. Jazrawi! ## Top 4 Medical Malpractice Insurance Companies in Texas** We recommend carriers with an AM Best rating of “A” or higher. An A-rating indicates financial strength, long-term solvency, and an established history of protecting Texas physicians. - * The Doctors Company - **Medical Protective (MedPro) - **MagMutual - **TMLT [Get Your Free Quote](#quote)**** ## **How Much Is Medical Malpractice Insurance in Texas?** ## **How Much is Medical Malpractice Insurance in Florida By Specialty?** These rate estimates are for informational purposes only and are based on the Texas standard limits of $200,000 per claim and $600,000 aggregate per year. In addition to the $200,000 / $600,000 limits, MEDPLI can help doctors obtain other limit options, including $1,000,000 / $3,000,000 and higher. Quotes require a completed application and underwriter approval.[ **Contact us**](https://medpli.com/contact-us/) for a custom estimate if you don’t see your specialty. ### **Average Annual Premiums for Medical Malpractice Insurance**** in Texas by Specialty (2027 data, $200,000 / $600,000 coverage) Specialty 2027 Annual Premium 2027 Tail Premium [Anesthesiology](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/) $18,911 $37,822 [Cardiovascular Disease – Minor Surgery](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) $16,810 $33,619 [Dermatology – No Surgery](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/) $8,405 $16,810 Emergency Medicine $29,417 $58,834 [Family Practice – No Surgery](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/) $10,506 $21,012 [Gastroenterology – No Surgery](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/) $12,607 $25,214 General Practice – No Surgery $10,506 $21,012 [General Surgery](https://medpli.com/specialties/general-surgeon-medical-malpractice-insurance/) $44,125 $88,250 Internal Medicine – No Surgery $10,506 $21,012 [Neurology – No Surgery](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/) $11,557 $23,113 [Obstetrics and Gynecology – Major Surgery](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) $57,783 $115,566 Occupational Medicine $7,354 $14,708 Ophthalmology – No Surgery $7,354 $14,708 [Orthopedic Surgery – No Spine](https://medpli.com/specialties/malpractice-insurance-orthopedic-surgeons/) $38,872 $77,744 Pathology – No Surgery $8,405 $16,810 Pediatrics – No Surgery $10,506 $21,012 Pulmonary Disease – No Surgery $16,810 $33,619 [Psychiatry](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) $7,354 $14,708 [Radiology – Diagnostic](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/) $22,279 $44,558 **Note: These rates are approximate, and each individual has unique factors that can affect their premium.* Save an average of 20% on insurance premiums with MEDPLI’s multi-quote approach****.** [GET A QUOTE](#quote)**** ## **Average Medical Malpractice Payouts in Texas From 2019-2026** **In 2025, Texas physicians were held liable for 504 medical malpractice payouts.** - Average Payout: $274,614 - Total Payout: $138,405,550 (Source: National Practitioner Data Bank) [**See how Texas compares to other states**](https://medpli.com/medical-malpractice-payouts-by-state/). **** ## **Does Texas Have Medical Malpractice Damage Caps?** Yes. Texas’s 2003 tort reform[ capped non-economic damages](https://statutes.capitol.texas.gov/Docs/CP/htm/CP.74.htm#74.301), such as pain and suffering, in medical malpractice cases. The caps apply per claimant: - $250,000 total against all physicians and other individual health care providers combined, regardless of how many are sued - $250,000 against a single health care institution - $500,000 maximum against all health care institutions combined Together, the most a claimant can recover in non-economic damages is $750,000. These caps are not adjusted for inflation. In most cases, Texas does not cap economic damages, which can include: - Medical costs - Lost wages - Lost earning capacity **** ## What Are the Statutes of Limitations in Texas for Medical Malpractice? Health care liability claims[ must be filed within 2 years](https://statutes.capitol.texas.gov/Docs/CP/htm/CP.74.htm#74.251) of the date of the alleged malpractice or the completion of the related treatment. Children under 12 have until their 14th birthday to file. Other exceptions may include: - Fraudulent concealment by the defendant - The “open courts” provision of the Texas Constitution, in rare cases where a patient had no reasonable opportunity to discover the injury in time The statute of repose for medical malpractice lawsuits in Texas is 10 years. After that, a claim cannot be filed regardless of when the injury is discovered. ## **Canceled or Non-Renewed? MEDPLI Is Your Best Ally** **0% ### **Average Savings** **0+ ### **5-Star Reviews** **0+ ### **Doctors Served** We’ve helped over 8,500 doctors eliminate liability risk with comprehensive coverage & affordable rates. [Get a quick quote here](#quote)** ## Texas Physicians & Surgeons Partner with MEDPLI - ** **Save Time & Money **We submit applications and compare quotes to find you the best rate from an A-rated carrier. - ** **Stress Less **We navigate the specific requirements of your medical specialty and individual risk profile to[ **evaluate carriers**](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/) and identify underwriters who align with your needs. ## Texas Medical Malpractice Insurance FAQ How much does medical malpractice insurance cost in Texas in 2027?[Marcie Lord](https://medpli.com/author/marcie/)2026-11-03T08:53:16-06:00 #### [****How much does medical malpractice insurance cost in Texas in 2027?](#collapse-1-7382) In 2027, Texas medical malpractice insurance premiums typically range from $7,000 to $56,000 per year, depending on specialty, claims history, and coverage limits.**For example, [family practice physicians**](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/) without surgery may pay around $10,000 annually, while [**OB/GYNs**](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) performing major surgery can exceed $56,000. Rates are based on the standard $200,000 per claim / $600,000 aggregate limits For an exact premium, request a custom [**MEDPLI quote tailored to your practice**](https://medpli.com/#quote). Are Texas physicians required to carry medical malpractice insurance?[Marcie Lord](https://medpli.com/author/marcie/)2026-11-03T04:35:03-06:00 #### [****Are Texas physicians required to carry medical malpractice insurance?](#collapse-1-7381) Texas does **not mandate malpractice insurance** for all physicians, but it does require proof of **financial responsibility**. Most hospitals, surgery centers, and employer groups require physicians to carry malpractice insurance to maintain admitting privileges or employment. By [**working with MEDPLI**](https://medpli.com/), Texas doctors can meet all financial responsibility requirements while securing the **best rates from A-rated carriers.** Does Texas medical malpractice insurance include tail coverage?[Marcie Lord](https://medpli.com/author/marcie/)2026-11-03T04:37:44-06:00 #### [****Does Texas medical malpractice insurance include tail coverage?](#collapse-1-7380) [**Tail coverage**](https://medpli.com/physicians-guide-to-tail-insurance/) is **not automatically included** in most Texas malpractice policies. Physicians with **claims-made coverage** need to purchase tail insurance to protect against claims filed **after** a policy ends, such as when switching insurers, changing employers, or retiring. Tail coverage typically costs **150–250% of the annual premium** as a one-time payment. [**MEDPLI helps doctors compare tail options**](https://medpli.com/products-services/tail-malpractice-insurance/) and find the most affordable coverage for seamless protection. ## Get Your Quote for Medical Malpractice Insurance in Texas We are Texas’s trusted medical malpractice insurance brokers. Whether you’re an orthopedic surgeon in Austin or an ER doctor in Odessa, MEDPLI will provide you with premier coverage at a competitive rate. Call [**800-969-1339**](tel:800-969-1339) or [**Request a Quote**](https://medpli.com/#quote).**** ## Get A Quote #### Get a fast quote for medical malpractice insurance. *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 DegreeMDDOCNMDPMDDSCRNANPPAPTOther**NextPhone *Email *State *Select a StateAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNational Provider Identifier (NPI)(optional)(Optional) Upload supporting documents (current policy package, CV, NPDB report, and any prior claims information) Drag & Drop Files, Choose Files to Upload You can upload up to 5 files. Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time. GCLID package, (current Submit #### Share This Story, Choose Your Platform! [*](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Ftexas-medical-malpractice-insurance-buying-guide%2F)[**](https://x.com/intent/post?text=Texas%20Medical%20Malpractice%20Insurance%3A%202027%20Buyer%E2%80%99s%20Guide&url=https%3A%2F%2Fmedpli.com%2Ftexas-medical-malpractice-insurance-buying-guide%2F)[**](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fmedpli.com%2Ftexas-medical-malpractice-insurance-buying-guide%2F)[**](mailto:?subject=Texas%20Medical%20Malpractice%20Insurance%3A%202027%20Buyer%E2%80%99s%20Guide&body=https%3A%2F%2Fmedpli.com%2Ftexas-medical-malpractice-insurance-buying-guide%2F)*[Max Schloemann](https://medpli.com/author/max-schloemann/) [](https://www.linkedin.com/company/medpli-professional-liability-insurance)[](https://www.facebook.com/Medpli/)[](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[](https://www.instagram.com/medpli/)[](https://twitter.com/MedpliMax) ## About the Author Max Schloemann is a medical malpractice insurance broker helping physicians and surgeons secure Medical Professional Liability coverage. A Magna Cum Laude graduate of Southern Illinois University’s College of Business, he was named Outstanding Management Senior. Max began his career in 2008 at an industry-leading firm and founded MEDPLI in 2017 to guide private practice doctors and physicians in transition through the complexities of malpractice insurance. Outside of work, Max, his wife Kristen (a Physician Assistant), and their four kids enjoy the outdoors and attending the kids’ sporting events. [Contact Max](https://medpli.com/contact-us/) for malpractice insurance questions. [](https://www.linkedin.com/company/medpli-professional-liability-insurance)[](https://www.facebook.com/Medpli/)[](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[](https://www.instagram.com/medpli/)[](https://twitter.com/MedpliMax) ## Latest from the Medical Malpractice Insurance Blog - Illinois [ ](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) ## [Illinois Medical Malpractice Insurance: 2027 Buyer’s Guide](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Explore 2027 Illinois medical malpractice insurance costs, top A-rated insurers, payout trends & the latest state regulations. Get your free quote today. [Read More***](https://medpli.com/illinois-doctors-buying-guide-to-medical-malpractice-insurance/) - Malpractice Insurance [ * ](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) ## [Medical Malpractice Insurance in Florida: 2027 Buyer’s Guide](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Compare 2027 Florida medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today. [Read More***](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) - Malpractice Insurance [ * ](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) ## [Texas Medical Malpractice Insurance: 2027 Buyer’s Guide](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|November 3rd, 2026|Compare 2027 Texas medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today. [Read More***](https://medpli.com/texas-medical-malpractice-insurance-buying-guide/) - Malpractice Insurance [ * ](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/) ## [A Surgeon’s Malpractice Partner: The Ahuja Bariatric & Beyond Story](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|November 2nd, 2026|Learn what to consider when buying malpractice insurance, from policy types and tail coverage to limits and carriers. Get a quote from MEDPLI today. [Read More***](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/) [Previous](https://medpli.com/dr-ahuja-bariatric-surgeon-case-study/)[Next](https://medpli.com/florida-physicians-buying-guide-medical-malpractice-insurance/) MEDPLI is an independent insurance practice specializing in medical professional liability insurance. 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 *FirstLast GCLID CV, State Specialty *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)(Optional) Upload supporting documents (current policy package, CV, NPDB report, and any prior claims information) Drag & Drop Files, Choose Files to Upload You can upload up to 5 files. Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.Submit CLOSE [ Go to Top ](#)