1. 13 Best Medical Malpractice Insurance Companies in 2020

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Understanding medical malpractice insurance.

What is medical malpractice insurance?

Medical malpractice insurance, also known as professional liability insurance, helps protect doctors and other medical professionals from any liability resulting from a patient's injury or even death. This type of insurance often covers attorney's fees and court costs, the cost of arbitration, settlement costs and any medical damages.

Almost all states require medical malpractice insurance to perform medicine.

What is the difference between claims-made and occurrence malpractice insurance?

Claims-made policies only cover malpractice suits if the policy is in effect when the incident occurred and when the lawsuit is filed. Because lawsuits can still arise long after a procedure has occurred, most medical professionals will need to ensure they have tail coverage after the policy ends.

Occurrence-based policies will cover any claim that happened when the policy was in force, even if a lawsuit is filed after the policy lapses or is cancelled. This type of malpractice insurance does not require tail coverage.

Learn more about claims-made vs. occurrence coverage.

How much does medical malpractice insurance cost?

The cost of medical malpractice insurance can vary significantly based on medical specialty, where you are located and the amount of insurance coverage needed. For example, a brain surgeon has a higher risk of a malpractice suit than a nurse that draws blood and the cost of insurance is significantly higher in states like California than they are in Midwest states like Indiana.

Best medical malpractice insurance companies

Get Your Rate
Company BBB Rating A.M. Best Rating
The Doctors Company A+ A
Medical Protective (MedPro Group) A+ A++
Medical Liability Mutual Insurance Co Not Rated Not Rated
NORCAL Mutual A+ A
MAGMutual Insurance Co A+ A
ISMIE Mutual Insurance Co Not Rated A-
ProAssurance Indemnity Co Not Rated A+
Hospitals Insurance Co Not Rated Not Rated
State Volunteer Mutual A+ A
Princeton Insurance Co A+ A++
ProAssurance Casualty Co Not Rated A+
ProSelect Insurance Co Not Rated A
Mutual Ins Co of Arizona A+ A

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