Medical Malpractice Insurance for Neurosurgeons

We specialize in finding neurosurgeons their ideal policy quickly – so your career and practice can always remain protected.

Cost of Medical Malpractice Insurance for Neurosurgeons

Because neurosurgery is a high risk specialty, neurosurgeons can expect to pay much higher insurance premiums than doctors in many other specialties. Rates for medical malpractice insurance for neurosurgeons are also heavily impacted by a physician’s prior claims history and location.

Because of this, neurosurgeons need to periodically re-evaluate 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 neurosurgeons. 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 Neurosurgeons Need Medical Malpractice Insurance

of neurosurgeons report being sued at least once.
of neurosurgeons report involvement in a lawsuit for $1M+ in damages.
Average indemnity paid in a closed neurosurgical claim.
  • Neurosurgeons are classified by medical malpractice insurers as a high risk specialty – meaning they have a very high likelihood of being sued.

  • In fact, most neurosurgeons will face at least one malpractice lawsuit during their career. According to a Medscape survey, more than 80% of neurosurgeons reported being sued at least once.

  • While most of the suits against neurosurgeons were dropped or settled out of court, 15% reported involvement in a lawsuit that went to court and resulted in more than $1 million in damages awarded to the plaintiff. The Journal of Neurosurgery notes that the average indemnity paid in a closed neurosurgical claim is $439,146, the highest of all medical specialties.

  • Even when a malpractice claim is dropped or settled, malpractice insurance lawsuits can still be expensive. Having the right medical malpractice insurance policy in place can protect neurosurgeons from having to pay for attorneys, expert witnesses, court fees, and actual damages and losses awarded to the plaintiff that result from a lawsuit.

Medical Malpractice Insurance Rates for Neurosurgeons BY STATE

City State Premium Estimate Limits of Liability
Birmingham AL $60,000 $1,000,000/$3,000,000
Little Rock AR $65,000 $1,000,000/$3,000,000
Phoenix AZ $80,000 $1,000,000/$3,000,000
Los Angeles CA $65,000 $1,000,000/$3,000,000
Denver CO $75,000 $1,000,000/$3,000,000
Bridgeport CT $90,000 $1,000,000/$4,000,000
Wilmington DE $95,000 $1,000,000/$3,000,000
Washington DC $135,000 $1,000,000/$3,000,000
Miami FL* $115,000 $1,000,000/$3,000,000
Miami FL* $95,000 $250,000/$750,000
Atlanta GA $85,000 $1,000,000/$3,000,000
Honolulu HI $75,000 $1,000,000/$3,000,000
Des Moines IA $55,000 $1,000,000/$3,000,000
Boise ID $50,000 $1,000,000/$3,000,000
Chicago IL $135,000 $1,000,000/$3,000,000
Wichita KS $50,000 + KS HCSF $200,000/$600,000
Louisville KY $90,000 $1,000,000/$3,000,000
Indianapolis IN $50,000 + IN PCF $250,000/$750,000
New Orleans LA $55,000 + LA PCF $100,000/$300,000
Boston MA $90,000 $1,000,000/$3,000,000
Baltimore MD $125,000 $1,000,000/$3,000,000
Portland ME $65,000 $1,000,000/$3,000,000
Detroit MI $110,000 $1,000,000/$3,000,000
St. Louis MO $90,000 $1,000,000/$3,000,000
Minneapolis MN $50,000 $1,000,000/$3,000,000
Jackson MS $100,000 $1,000,000/$3,000,000
Billings MT $95,000 $1,000,000/$3,000,000
Charlotte NC $75,000 $1,000,000/$3,000,000
Fargo ND $55,000 $1,000,000/$3,000,000
Omaha NE $45,000 $1,000,000/$3,000,000
Manchester NH $75,000 $1,000,000/$3,000,000
Albuquerque NM $65,000 + NM PCF $200,000/$600,000*
Newark NJ $105,000 $1,000,000/$3,000,000
Las Vegas NV $95,000 $1,000,000/$3,000,000
Manhattan, NY NY $210,000 $1,300,000/$3,900,000
Columbus OH $95,000 $1,000,000/$3,000,000
Oklahoma City OK $80,000 $1,000,000/$3,000,000
Portland OR $60,000 $1,000,000/$3,000,000
Philadelphia PA $95,000 + MCARE $500,000/$1,500,000
Providence RI $75,000 $1,000,000/$3,000,000
Charleston SC $75,000 $1,000,000/$3,000,000
Sioux Falls SD $45,000 $1,000,000/$3,000,000
Nashville TN $70,000 $1,000,000/$3,000,000
Houston TX* $50,000 $200,000/$600,000
Houston TX* $65,000 $1,000,000/$3,000,000
Salt Lake City UT $75,000 $1,000,000/$3,000,000
Burlington VT $60,000 $1,000,000/$3,000,000
Seattle WA $70,000 $1,000,000/$3,000,000
Virginia Beach VA $85,000 $2,450,000/$7,350,000
Milwaukee WI $45,000 + PCF $1,000,000/$3,000,000
WV $100,000 $1,000,000/$3,000,000
Cheyenne WY $95,000 $1,000,000/$3,000,000

          * (Only Occurrence; no Claims-Made coverage)

Medical Malpractice Claims Against Neurosurgeons

Even when all care provided falls well within the standard of care, surgical interventions by neurosurgeons can have serious complications. An analysis of closed medical malpractice claims against neurosurgeons from 2014 to 2019 found that:

Medical Malpractice Risk Management Saves Neurosurgeons Money

Neurosurgeons never want to be involved in an emotionally and physically exhausting medical malpractice claim, and neither do medical malpractice insurance carriers. Many medical malpractice insurance companies offer discounts for the completion of risk management courses that are designed to reduce the causes and frequency of malpractice claims.

Not only can these programs help doctors save thousands on their insurance premiums – they ultimately help minimize financial loss to a neurosurgeon’s practice.

Physicians who complete risk management courses offered by their insurance carrier also have a higher likelihood of being renewed by that carrier in the event of a negative outcome, such as a liability lawsuit.

In addition, professional organizations like the American Association of Neurological Surgeons and the Neurosurgical Society of America provide timely and thorough information about reducing exposure to malpractice risk.

SURGPLI Helps Neurosurgeons Find the Policy That Best Fits Their Needs

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

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

Contact us for a quote For neurosurgeon medical malpractice Insurance

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