Ob/Gyn Medical Malpractice Insurance

We find OB/GYNs the most competitive rates for medical malpractice insurance – let your broker do the work for you.

Ob/Gyn Medical Malpractice Insurance Cost

Because obstetrics and gynecology is a high risk specialty, OB/GYNs can expect to pay much higher insurance premiums than doctors in many other specialties. Rates for medical malpractice insurance are also impacted by an OB/GYN’s prior claims history and location.

Since the price of insurance is on the rise, OB/GYNs need to work with an independent broker on a regular basis. At SURGPLI, we can review your existing OB/GYN malpractice insurance policy to make sure you have the right coverage at the best price.

See below for average rates by location for OB/GYNs. 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 Ob/Gyns Need Medical Malpractice Insurance

of OB/GYNs report having been named in lawsuit
of claims against OB/GYNs from do not make it to trial
Average indemnity paid in a closed OB/GYN malpractice claim
  • The good news is that OB/GYNs are one of the few specialties to see a steady decrease in medical malpractice lawsuits since 2017. The bad news is that OB/GYNs still remain in the top five specialties most likely to be sued – and the longer you practice, the more risk you accrue.

  • The harsh reality is that most OB/GYNs will face at least one malpractice lawsuit during their career. According to a Medscape survey, 79% of OB/GYNs reported having been named in a lawsuit, down from 85% in 2017.

  • Even when a malpractice claim is dropped or settled, malpractice insurance lawsuits can still be expensive. According to the Medical Professional Liability Association’s (MPLA) Data Sharing Project, 55% of claims against OB/GYNs from 2016 – 2018 were dropped, withdrawn, or dismissed before they went to trial. The average cost to defend these non-meritorious claims was $39,881.

  • Only 8% of claims were resolved in a trial court, where the jury found in favor of the OB/GYN 91% of the time. The average defense cost for these claims was $192,789.

No matter the outcome, when you have a claim brought against you, you’ll want to have the right insurance policy in place – one that’s set up to protect you as the doctor.


In addition to being sued more frequently, OB/GYNs pay some of the highest claims. The same MPLA study notes that the average indemnity payment for an OB/GYN malpractice claim is $459,469, with grave injuries coming in at a whopping $844,375 average payout.

In the event of a lawsuit, knowing that you have the protection of an A-rated insurance carrier that can help defend your professional reputation, protect your practice from monetary harm, and safeguard your time is an invaluable asset to any OB/GYN’s practice.

Medical Malpractice Insurance Rates for Ob/Gyns BY STATE

City State Premium Estimate Limits of Liability
Birmingham AL $45,000 $1,000,000/$3,000,000
Little Rock AR $50,000 $1,000,000/$3,000,000
Phoenix AZ $65,000 $1,000,000/$3,000,000
Los Angeles CA $50,000 $1,000,000/$3,000,000
Denver CO $60,000 $1,000,000/$3,000,000
Bridgeport CT $75,000 $1,000,000/$4,000,000
Wilmington DE $80,000 $1,000,000/$3,000,000
Washington DC $120,000 $1,000,000/$3,000,000
Miami FL* $100,000 $1,000,000/$3,000,000
Miami FL* $80,000 $250,000/$750,000
Atlanta GA $70,000 $1,000,000/$3,000,000
Honolulu HI $60,000 $1,000,000/$3,000,000
Des Moines IA $40,000 $1,000,000/$3,000,000
Boise ID $35,000 $1,000,000/$3,000,000
Chicago IL $120,000 $1,000,000/$3,000,000
Wichita KS $35,000 + KS HCSF $200,000/$600,000
Louisville KY $75,000 $1,000,000/$3,000,000
Indianapolis IN $35,000 + IN PCF $250,000/$750,000
New Orleans LA $40,000 + LA PCF $100,000/$300,000
Boston MA $75,000 $1,000,000/$3,000,000
Baltimore MD $100,000 $1,000,000/$3,000,000
Portland ME $50,000 $1,000,000/$3,000,000
Detroit MI $95,000 $1,000,000/$3,000,000
St. Louis MO $75,000 $1,000,000/$3,000,000
Minneapolis MN $35,000 $1,000,000/$3,000,000
Jackson MS $85,000 $1,000,000/$3,000,000
Billings MT $80,000 $1,000,000/$3,000,000
Charlotte NC $60,000 $1,000,000/$3,000,000
Fargo ND $40,000 $1,000,000/$3,000,000
Omaha NE $30,000 $1,000,000/$3,000,000
Manchester NH $60,000 $1,000,000/$3,000,000
Albuquerque NM $50,000 + NM PCF $200,000/$600,000*
Newark NJ $90,000 $1,000,000/$3,000,000
Las Vegas NV $80,000 $1,000,000/$3,000,000
Manhattan, NY NY $185,000 $1,300,000/$3,900,000
Columbus OH $80,000 $1,000,000/$3,000,000
Oklahoma City OK $65,000 $1,000,000/$3,000,000
Portland OR $45,000 $1,000,000/$3,000,000
Philadelphia PA $80,000 + MCARE $500,000/$1,500,000
Providence RI $60,000 $1,000,000/$3,000,000
Charleston SC $60,000 $1,000,000/$3,000,000
Sioux Falls SD $30,000 $1,000,000/$3,000,000
Nashville TN $55,000 $1,000,000/$3,000,000
Houston TX* $35,000 $200,000/$600,000
Houston TX* $50,000 $1,000,000/$3,000,000
Salt Lake City UT $60,000 $1,000,000/$3,000,000
Burlington VT $45,000 $1,000,000/$3,000,000
Seattle WA $55,000 $1,000,000/$3,000,000
Virginia Beach VA $70,000 $2,450,000/$7,350,000
Milwaukee WI $30,000 + PCF $1,000,000/$3,000,000
WV $85,000 $1,000,000/$3,000,000
Cheyenne WY $80,000 $1,000,000/$3,000,000


                   * (Only Occurrence; no Claims-Made coverage)

Ob/Gyns and Medical Malpractice Risk

According to Medscape, the most common reasons for lawsuits against OB/GYNs are:

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

An analysis of closed medical malpractice claims against OB/GYNs from 2013 to 2017 found that while maternal injury claims make up less than a fifth of obstetric claims, they are important to study due to the high number of deaths from childbirth-related complications each year.

The analysis notes that two most common diagnoses resulting in claims were postpartum hemorrhage (15%) and preeclampsia/eclampsia (9%) – with a high percentage of these claims resulting in serious injury or death.


Medical Malpractice Risk Management Saves OB/GYNs Money

Many medical malpractice insurance carriers offer discounts on your insurance policy when you participate in risk management related activities. Some of the most common ways that OB/GYNs can save money on medical malpractice insurance are through:

  • New doctor discounts
  • Participating in risk management education for credits
  • Maintaining a claims free history
  • Completion of board certification
  • Membership in certain organizations

In addition, professional organizations like the American College of Obstetricians and Gynecologists and the American Gynecological & Obstetrical Society provide timely and thorough information about reducing exposure to malpractice risk.

SURGPLI Helps Ob/Gyns Find the Policy That Best Fits Their Needs

Medical malpractice insurance for OB/GYNs is already expensive enough, so having a good broker that can help you find opportunities to save money on your policy is critical to your bottom line. At SURGPI, we specialize in OB/GYN medical malpractice insurance, so you never have to worry that you’re missing out on a chance to save.

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

Contact us for a quote for OB/GYN medical malpractice Insurance

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