Physician malpractice (high-risk specialties)

The pricing variables for this profession.

Specialty risk profile drives everything. OB/GYN ($60,000-$200,000/yr depending on state — birth-injury claims have catastrophic verdicts), neurosurgery ($50,000-$150,000/yr), anaesthesiology ($30,000-$80,000/yr), emergency medicine ($30,000-$60,000/yr), orthopaedic surgery ($30,000-$70,000/yr). Geography compounds — NY, NJ, IL, FL, CA push premiums to top of range.

Which insurers fit this profession.

What the policy needs to include.

$1M/$3M is the typical minimum but $2M/$5M or higher common in high-risk specialties. Hospital credentialling drives requirements. Specialty-specific endorsements (e.g. OB/GYN birth-injury coverage) matter materially. Captive insurance arrangements common for groups.

What this profession actually gets sued for.

Specialty-specific. OB/GYN: birth injuries (the single highest-verdict category in US medical liability). Neurosurgery: post-operative outcomes. Anaesthesiology: airway and medication events. Emergency medicine: failure-to-diagnose under time pressure. High-risk-specialty claims drive 60%+ of medical-liability industry losses.