Medical Malpractice Insurance for General Surgeons

Save time and money by having us find the best medical malpractice insurance quotes for your general surgery practice.

Cost of Medical Malpractice Insurance for General Surgeons

Because general surgery is a high risk specialty, surgeons can expect to pay much higher insurance premiums than doctors in many other specialties. Rates for medical malpractice insurance for general surgeons are also heavily impacted by type of surgery performed, plus a doctor’s prior claims history and location.

Because of this, surgeons need to periodically reevaluate their current malpractice insurance program with an independent broker to ensure they have the right coverage at the lowest available rates.

See below for average rates by location for general surgeons. Mature claims-made estimates below are for informational purposes only. Occurrence coverage may be available. To get your personalized rate estimate, please request a quote.

All Surgeons Need Medical Malpractice Insurance

of General Surgeons report having been named in lawsuit
of all surgical allegations were related to the intraoperative step
of allegations related to practitioner performance during procedures
  • Surgeons are classified by medical malpractice insurers as a high risk specialty – meaning they have a very high likelihood of being sued.

  • In fact, most surgeons will face at least one malpractice lawsuit during their career. More than three fourths (77%) of surgeons reported being named in a malpractice lawsuit in a 2021 Medscape Surgeon Malpractice Report.

  • General surgeons tied with plastic surgeons as the specialists most likely to be sued. General surgery claims also had the highest percentage of cases that resulted in death – at 15%.

  • Almost no surgeon goes into medical school thinking about the fallout of a malpractice suit. However, when a claim is brought against you, you’ll want to have the right insurance policy in place – one that’s pre-designed to shield you as the surgeon. Even when a malpractice claim is dropped or settled, malpractice insurance lawsuits can still be expensive.
  • An analysis of closed surgical claims from 2014 through 2018 by malpractice insurance carrier Coverys found that 44% of all surgical allegations were related to the intraoperative step of surgical care. Most surgical allegations were related to practitioner performance during the procedure itself (78%) followed by a retained foreign body (just 7%).


Medical Malpractice Insurance Rates for General Surgeons BY STATE

State City Premium Estimate Limits of Liability
AL Birmingham $35,000 $1,000,000/$3,000,000
AR Little Rock $35,000 $1,000,000/$3,000,000
AZ Phoenix $50,000 $1,000,000/$3,000,000
CA Los Angeles $40,000 $1,000,000/$3,000,000
CO Denver $50,000 $1,000,000/$3,000,000
CT Bridgeport $45,000 $1,000,000/$4,000,000
DE Wilmington $50,000 $1,000,000/$3,000,000
DC Washington DC $75,000 $1,000,000/$3,000,000
FL* Miami $70,000 $1,000,000/$3,000,000
FL* Miami $55,000 $250,000/$750,000
GA Atlanta $45,000 $1,000,000/$3,000,000
HI Honolulu $50,000 $1,000,000/$3,000,000
IA Des Moines $30,000 $1,000,000/$3,000,000
ID Boise $25,000 $1,000,000/$3,000,000
IL Chicago $85,000 $1,000,000/$3,000,000
KS Wichita $30,000 + KS HCSF $200,000/$600,000
KY Louisville $40,000 $1,000,000/$3,000,000
IN Indianapolis $30,000 + IN PCF $250,000/$750,000
LA New Orleans $30,000 + LA PCF $1,000,000/$3,000,000
MA Boston $45,000 $1,000,000/$3,000,000
MD Baltimore $60,000 $1,000,000/$3,000,000
ME Portland $35,000 $1,000,000/$3,000,000
MI Detroit $60,000 $1,000,000/$3,000,000
MO St. Louis $50,000 $1,000,000/$3,000,000
MN Minneapolis $25,000 $1,000,000/$3,000,000
MS Jackson $55,000 $1,000,000/$3,000,000
MT Billings $60,000 $1,000,000/$3,000,000
NC Charlotte $35,000 $1,000,000/$3,000,000
ND Fargo $25,000 $1,000,000/$3,000,000
NE Omaha $25,000 $1,000,000/$3,000,000
NH Manchester $50,000 $1,000,000/$3,000,000
NM** Albuquerque $35,000 + NM PCF $200,000/$600,000
NJ Newark $55,000 $1,000,000/$3,000,000
NV Las Vegas $50,000 $1,000,000/$3,000,000
NY Manhattan, NY $125,000 $1,300,000/$3,900,000
OH Columbus $50,000 $1,000,000/$3,000,000
OK Oklahoma City $45,000 $1,000,000/$3,000,000
OR Portland $30,000 $1,000,000/$3,000,000
PA Philadelphia $50,000 + MCARE $500,000/$1,500,000
RI Providence $40,000 $1,000,000/$3,000,000
SC Charleston $40,000 $1,000,000/$3,000,000
SD Sioux Falls $25,000 $1,000,000/$3,000,000
TN Nashville $40,000 $1,000,000/$3,000,000
TX* Houston $30,000 $200,000/$600,000
TX* Houston $40,000 $1,000,000/$3,000,000
UT Salt Lake City $40,000 $1,000,000/$3,000,000
VA Virginia Beach $40,000 $2,500,000/$7,500,000
VT Burlington $30,000 $1,000,000/$3,000,000
WA Seattle $40,000 $1,000,000/$3,000,000
WI Milwaukee $25,000 + PCF $1,000,000/$3,000,000
WV Charleston $60,000 $1,000,000/$3,000,000
WY Cheyenne $50,000 $1,000,000/$3,000,000

                   * (Only Occurrence; no Claims-Made coverage)

General Surgeons and Medical Malpractice Risk

According to Medscape, general surgeons reported they had been sued for the following reasons:

Complications from Treatment or Surgery
Poor Outcome or Disease Progression
Wrongful Death
Failure to Diagnose or Delayed Diagnosis
Failure to Treat or Delayed Treatment
Patient Suffered an Abnormal Injury

Medical Malpractice Risk Management Saves General Surgeons Money

Many medical malpractice insurance companies offer discounts for the completion of risk management courses. These courses are designed to reduce the causes and frequency of malpractice claims and count towards CME credits. Upon completion, surgeons are often eligible for discounts on their policies.

Online courses provide risk management education for a surgeon and their staff, can help them save thousands on insurance premiums, and ultimately help minimize financial loss to a surgeon’s practice.

Other common ways that surgeons can save money on medical malpractice insurance are through:

  • Maintaining a claims free history
  • New doctor discounts
  • Membership to certain organizations and groups

In addition, associations like the American College of Surgeons (ACS) and the American Society of General Surgeons (ASGS) provide timely and thorough information about reducing exposure to malpractice risk. Surgeons should also check into their specialty’s national and local professional organizations for the same benefits.

SURGPLI Helps General Surgeons Find the Policy That Best Fits Their Needs

At SURGPLI, we specialize in general surgeon malpractice insurance, so you can always trust that the policies we find for you are exactly what you need to ensure your entire practice is protected.

SURGPLI works with A-rated carriers that offer great rates on medical malpractice insurance for surgeons. With us, you’ll get robust protection and save thousands of dollars on your premium each year.

Contact us for a quote for GENERAL SURGEON medical malpractice Insurance

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