Medical Malpractice Insurance for Plastic Surgeons

We find competitively priced A-rated medical malpractice policies for plastic surgeons – customized for your practice’s unique needs.

Plastic Surgeon Malpractice Insurance Cost

Because malpractice insurance companies classify plastic surgery as a high risk specialty, plastic surgeons should expect to pay higher premiums for a liability policy when compared to other, lower-risk specialties.

Rates are also dependent on a plastic surgeon’s prior claims history and location.

To confirm you always have the right coverage at the lowest available rates, savvy plastic surgeons should periodically check-in with a medical malpractice insurance broker. An independent agent that specializes in plastic surgeon insurance can help you to re-evaluate your needs and keep you updated on any changes in your specialty’s marketplace.

See below for average rates by location for plastic 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 Plastic Surgeons Need Medical Malpractice Insurance

of plastic surgeons that report being sued at least once
of juries find in favor of the plastic surgeon
of all plastic surgery lawsuits result in no payment to the patient

Medical malpractice insurance carriers classify plastic surgeons as high risk because they have a very high likelihood of being sued – particularly for outcomes that don’t meet a patient’s expectations.

  • In fact, plastic surgeons are one of the most frequently sued specialties among all physicians, even though they represent only a small percentage of the physician population. In a Medscape report from 2021, plastic surgeons tied with general surgeons for first place among physicians who are sued, with 83% reporting a malpractice lawsuit compared with 51% of physicians overall.

  • According to the Aesthetic Society, the top plastic surgery procedures in 2021 were:

    • Liposuction: 491,098
    • Breast Augmentation: 364,753
    • Abdominoplasty (Tummy Tuck): 242,939
    • Mastopexy (Breast Lift): 167,395
    • Blepharoplasty (Eyelid): 149,668
    • Breast Implant Removal/Replacement:147,684
  • According to a 2021 review by the American Society of Plastic Surgeons:

    • Plastic surgery accounts for 3.31% of all reported malpractice claims and 3.16% of all paid claims
    • Total payments for plastic surgeons represent 1.75% of the total paid for all specialties
    • Plastic surgeons have a 15% chance of being sued per year
    • 93% of claims are dismissed or settled before going to court
    • Juries find in favor of the plastic surgeon 79% of the time
    • 75% of all plastic surgery malpractice lawsuits result in no payment to the patient

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 plastic surgeons from having to pay out of pocket for court fees, attorneys, expert witnesses, and actual damages and losses awarded to the plaintiff that result from a lawsuit.

Medical Malpractice Insurance Rates for plastic SURGEONs BY STATE

City State Premium Estimate Limits of Liability
Birmingham AL $35,000 $1,000,000/$3,000,000
Little Rock AR $35,000 $1,000,000/$3,000,000
Phoenix AZ $40,000 $1,000,000/$3,000,000
Los Angeles CA $30,000 $1,000,000/$3,000,000
Denver CO $50,000 $1,000,000/$3,000,000
Bridgeport CT $70,000 $1,000,000/$4,000,000
Wilmington DE $50,000 $1,000,000/$3,000,000
Washington DC $75,000 $1,000,000/$3,000,000
Miami FL* $70,000 $1,000,000/$3,000,000
Miami FL* $55,000 $250,000/$750,000
Atlanta GA $45,000 $1,000,000/$3,000,000
Honolulu HI $50,000 $1,000,000/$3,000,000
Des Moines IA $30,000 $1,000,000/$3,000,000
Boise ID $25,000 $1,000,000/$3,000,000
Chicago IL $80,000 $1,000,000/$3,000,000
Wichita KS $30,000 + KS HCSF $200,000/$600,000
Louisville KY $40,000 $1,000,000/$3,000,000
Indianapolis IN $30,000 + IN PCF $250,000/$750,000
New Orleans LA $30,000 + LA PCF $100,000/$300,000
Boston MA $45,000 $1,000,000/$3,000,000
Baltimore MD $50,000 $1,000,000/$3,000,000
Portland ME $35,000 $1,000,000/$3,000,000
Detroit MI $60,000 $1,000,000/$3,000,000
St. Louis MO $50,000 $1,000,000/$3,000,000
Minneapolis MN $25,000 $1,000,000/$3,000,000
Jackson MS $55,000 $1,000,000/$3,000,000
Billings MT $60,000 $1,000,000/$3,000,000
Charlotte NC $25,000 $1,000,000/$3,000,000
Fargo ND $25,000 $1,000,000/$3,000,000
Omaha NE $25,000 $1,000,000/$3,000,000
Manchester NH $50,000 $1,000,000/$3,000,000
Albuquerque NM $35,000 + NM PCF $200,000/$600,000*
Newark NJ $55,000 $1,000,000/$3,000,000
Las Vegas NV $50,000 $1,000,000/$3,000,000
Manhattan, NY NY $125,000 $1,300,000/$3,900,000
Columbus OH $30,000 $1,000,000/$3,000,000
Oklahoma City OK $45,000 $1,000,000/$3,000,000
Portland OR $30,000 $1,000,000/$3,000,000
Philadelphia PA $55,000 + MCARE $500,000/$1,500,000
Providence RI $40,000 $1,000,000/$3,000,000
Charleston SC $30,000 $1,000,000/$3,000,000
Sioux Falls SD $25,000 $1,000,000/$3,000,000
Nashville TN $40,000 $1,000,000/$3,000,000
Houston TX* $30,000 $200,000/$600,000
Houston TX* $40,000 $1,000,000/$3,000,000
Salt Lake City UT $40,000 $1,000,000/$3,000,000
Burlington VT $30,000 $1,000,000/$3,000,000
Seattle WA $40,000 $1,000,000/$3,000,000
Virginia Beach VA $40,000 $2,450,000/$7,350,000
Milwaukee WI $25,000 + PCF $1,000,000/$3,000,000
WV $60,000 $1,000,000/$3,000,000
Cheyenne WY $50,000 $1,000,000/$3,000,000

          * (Only Occurrence; no Claims-Made coverage)

Plastic Surgeons and Medical Malpractice Risk

Due to the nature of the surgery they provide, plastic surgeons are much more vulnerable to lawsuits than other physicians. Patients who experience poor outcomes, despite receiving the highest standard of care, can become litigious when their expectations aren’t met. The majority of medical malpractice claims against plastic surgeons come from the elective, cosmetic portion of their practice. A study of 415 closed claims from 2015 to 2018 found that:

Medical Malpractice Risk Management Saves Plastic Surgeons Money

Plastic surgeons are often eligible for discounts on their policies upon completion of risk management courses. These CME-approved programs are designed to reduce the frequency of malpractice claims, help minimize financial loss to a plastic surgeon’s practice (and therefore loss to the insurance company itself) and improve patient outcomes – all while helping doctors save thousands on their insurance premiums.

It’s also important to note that physicians who complete risk management courses offered by their insurance carrier usually have a better chance of being renewed by that same carrier if a claim is brought against them.

In addition, professional national organizations like the American Society of Plastic Surgeons (ASPS) provide risk management courses that can be completed for credits and discounts. Plastic surgeons should also check into their specialty’s professional organizations for the same benefits.

The American Society of Plastic Surgeons recommends the following actions to help reduce a plastic surgeon’s likelihood of having a claim brought against them:

  • Reduce risk by conducting a thorough initial assessment to make sure the patient is the right fit for your practice
  • Have patients read, discuss, and sign consent forms from the American Society of Plastic Surgeons (ASPS) to bolster informed consent
  • Help patients set reasonable expectations about outcomes (including reoperation) and maintain clear communication at all times
  • Manage patients closely post-procedure and throughout recovery to avoid adverse events – make yourself available for questions or problems

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

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

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

Contact us for a quote for Plastic Surgeon medical malpractice Insurance

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