By industry
Annual premium by profession
Synthesised from vendor-published averages plus 2026 industry summaries. Physician malpractice split into low/high risk because the spread is enormous.
Consultant (general)
$500-$1,500/yrLowest-risk consulting (no fiduciary duty)
Tech contractor / agency
$1,200-$4,000/yr$1M E&O typical, higher for AI / fintech work
Accountant / CPA
$600-$3,000/yrHartford reports ~$130/mo average
Real estate agent
$350-$1,200/yrOften required by brokerage
Allied healthcare (non-MD)
$450-$1,500/yrSeparate from physician malpractice
Physician malpractice (low-risk)
$7,500-$12,000/yrFamily medicine, internal medicine
Physician malpractice (high-risk)
$30,000-$200,000/yrOB/GYN, neurosurgery, anaesthesiology