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The Top 10 Medical Malpractice Insurance Providers in 2026

The leading medical malpractice insurance

Editor Researcher
Expert Editorial Team Jordan Johnson

About Best Medical Malpractice Insurance

Empowering healthcare professionals with transparent insights and reliable rankings to ensure informed decisions in securing quality medical malpractice insurance.

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We maintain strict editorial independence. No provider can pay to influence their ranking.

Tested

Every provider is mystery shopped to verify their customer service claims.

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#1
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MEDPLI Insurance Services

Carbondale, IL, USA

4.9 Editorial Score
Award Winning Regional Leader $$$

MEDPLI, a highly rated entity in the US insurance industry, specializes in providing Medical Malpractice Insurance. The firm stands out with an impressive 5-star rating from over 400 reviews, denoting a strong reputation for client satisfaction. MEDPLI offers a comprehensive range of services including Telemedicine Insurance, Tail Insurance, and Healthcare Staffing Insurance, among others. Notably, they cater to a broad spectrum of medical specialties, from Anesthesiology to Dermatology, ensuring customized coverage for each practitioner. Prospective clients can easily request a free quote online, showcasing the firm's dedication to user-friendly accessibility. A unique feature is MEDPLI's state buying guides, an invaluable tool that simplifies the complex process of buying insurance across different states.

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Editor's Summary

What people are saying: #TailoredCoverage #UserFriendly #HighlyRated

The Analysis

Offers a comprehensive range of specialized Medical Malpractice Insurance options including Telemedicine Insurance, Tail Insurance, and Healthcare Staffing Insurance which cater to diverse medical practices.
Impressive 5-star rating from over 400 reviews, indicating high client satisfaction and trustworthiness in service delivery.
Provides state buying guides that simplify the insurance purchasing process, helping clients understand their options based on specific state regulations.
May have limited geographical presence compared to larger providers like SVMIC or MagMutual, which can affect accessibility for some practitioners.
While offering a free quote online, the process may not be as streamlined or as quick as competitors like eQuoteMD, which emphasizes rapid quote turnaround.

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MEDPLI Insurance Services made the process of obtaining malpractice insurance seamless and stress-free; their team was incredibly helpful and knowledgeable.

I couldn't be happier with my experience at MEDPLI Insurance Services; their customer service is top-notch and they truly care about their clients' needs.

Rankings updated quarterly. Learn about our methodology.

#2
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Heffernan Insurance Brokers

Walnut Creek, CA, USA

4.7 Editorial Score
Accredited Professional $$

Heffernan Insurance Brokers, an employee-owned company, has established a reputation for serving a diverse range of industries across the US, with a focus on niche business sectors such as healthcare. Offering a range of insurance solutions, they specialize in Medical Malpractice coverage, extending their services to home care agencies and allied health and specialty centers. Their commitment to their clients is evident, providing tailored solutions to protect valuable assets and aid in smart decision-making. The company's dedication extends beyond insurance, showcased in their active philanthropy through the Heffernan Foundation. With over three decades of experience and strong client retention, Heffernan Insurance Brokers has proven itself a reliable and versatile insurance broker.

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Editor's Summary

What people are saying: #Trustworthy #ClientFocused #IndustryExpert

The Analysis

Specializes in Medical Malpractice coverage for niche sectors like home care agencies and allied health, providing tailored solutions that meet specific industry needs.
Employee-owned structure fosters a strong commitment to client satisfaction, leading to higher client retention rates compared to competitors.
Offers a unique combination of insurance solutions and active philanthropy through the Heffernan Foundation, enhancing their community involvement and corporate responsibility.
May have higher premiums for specialized coverage compared to competitors like eQuoteMD, which focuses on more affordable options for medical professionals.
Limited presence in certain regions, potentially making it less accessible for clients outside their primary markets compared to national providers like SVMIC.

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Working with Susan and Christina has been a fantastic experience; they genuinely prioritize their clients' needs and provide invaluable assistance.

I can't recommend Heffernan Insurance Brokers enough! Susan and Christina are both incredibly helpful and truly advocate for their customers' best interests.

Rankings updated quarterly. Learn about our methodology.

#3
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Baxter & Associates

Pensacola, FL, USA

4.6 Editorial Score
Licensed On-Time $$

Baxter & Associates is a seasoned player in the realm of medical malpractice insurance, serving a broad spectrum of medical professionals across the United States since 1996. As national experts, they offer a rich tapestry of coverage options, from malpractice insurance for healthcare professionals to errors and omissions insurance for insurance agents, and professional liability insurance for lawyers. Their strength lies in their ability to match clients with suitable carriers, backed by their extensive knowledge and wide network. Their offerings are tailored to the specific risks and needs of various practitioners, with a range of coverage limits and premium options. With a reputation for excellent service and an impressive track record, Baxter & Associates continues to be a trusted choice for many in the medical and business profession, year after year.

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Editor's Summary

What people are saying: #Reliable #ExpertInsurance #ComprehensiveCoverage

The Analysis

Offers a comprehensive range of coverage options tailored to various medical specialties, ensuring practitioners find the best fit for their specific needs.
Has a robust network of reputable carriers, allowing for competitive premium options and personalized policy recommendations based on extensive industry knowledge.
Provides dedicated risk management services, including educational resources and consultations, which help clients minimize potential liability exposures.
May have higher premiums compared to some competitors like eQuoteMD, particularly for high-risk specialties.
Limited marketing visibility outside of established medical circles, which may hinder new clients from discovering their services compared to more widely advertised competitors.

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Carson is truly exceptional! Her professionalism and deep knowledge made my experience seamless, and I felt completely confident in her expertise.

The staff at Baxter & Associates are incredibly friendly, and the vibrant office atmosphere made my first home insurance purchase a breeze.

Rankings updated quarterly. Learn about our methodology.

#4
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SVMIC

Brentwood, TN, USA

4.5 Editorial Score
Verified Local Expert $$$

SVMIC sets itself apart as a premier provider of medical malpractice insurance, with a unique emphasis on being created by doctors, for doctors. Founded in 1975, this Southeast-based mutual company boasts a strong legal defense that has resulted in 30% fewer settlements than its competitors. SVMIC's resource library, rich with relevant content, provides invaluable tools for physicians and practice executives alike, and underscores their commitment to efficiency, effectiveness, and patient safety. Their strong focus on member benefits indicates a mutual success model that rewards policyholders. With a wide presence across various US states, SVMIC stands as a reliable and protective partner for any medical practitioner.

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Editor's Summary

What people are saying: #PhysicianFocused #Reliable #ProactiveProtection

The Analysis

30% fewer settlements than competitors due to a strong legal defense team, indicating effective risk management.
Extensive resource library providing tools and support specifically designed for physicians and practice executives, enhancing operational efficiency.
Member-focused mutual model that rewards policyholders with benefits, emphasizing a commitment to the success of medical practitioners.
Limited to the Southeast region, which may not serve practitioners in other areas of the country as effectively as some competitors.
Potentially higher premiums compared to other providers like eQuoteMD, which may offer more competitive pricing for certain demographics.

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Our experience with SVMIC has been exceptional; their team truly cares about their clients, and Dr. Barrow exemplifies the empathy and dedication we value in a healthcare provider.

While we appreciate the outstanding service from SVMIC, we do hope for future enhancements like a patient portal to improve communication even further.

Rankings updated quarterly. Learn about our methodology.

#5
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Contemporary Insurance Services

Silver Spring, MD, USA

4.5 Editorial Score
Highly Rated Fast Response $$$

Contemporary Insurance Services, Inc. is a seasoned player in the field of medical malpractice insurance, providing tailored solutions to healthcare providers for over four decades. They adopt a unique bidding process, leveraging competition between insurance companies to secure the best rates for their clients. Their portfolio is expansive, serving a wide array of healthcare professionals from physicians to midwives. The company prides itself on its innovative approach and customer-centric ethos, as evidenced by their bespoke insurance offerings. In addition to their core operations, they also provide an insightful blog, addressing relevant industry topics such as cyber insurance and medical practice acquisitions.

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Editor's Summary

What people are saying: #Innovative #CustomerCentric #IndustryExpert

The Analysis

Utilizes a unique bidding process that leverages competition among insurance companies, often resulting in lower premiums for clients
Offers tailored insurance solutions specifically designed for a diverse range of healthcare professionals, including niche markets like midwives
Maintains an extensive portfolio with over 40 years of experience in the industry, which allows for a deep understanding of the needs of various healthcare sectors
May have a slower initial response compared to competitors that provide immediate online quotes or automated underwriting processes
Limited presence in certain regions, which may restrict their offerings for healthcare providers in underserved areas

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Contemporary Insurance Services has been a game changer for our practice, providing us with exceptional support and innovative solutions like virtual consultations.

The team at Contemporary Insurance Services is incredibly responsive and knowledgeable, making the process of securing medical malpractice insurance seamless and stress-free.

Rankings updated quarterly. Learn about our methodology.

#6
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eQuoteMD

St. Louis, MO, USA

4.4 Editorial Score
Certified Responsive $

eQuoteMD emerges as an industry leader in the US market, offering professional liability and medical malpractice insurance services to healthcare professionals spanning all 50 states. With a focus on affordability, the company ensures quality coverage without substantial costs, a testament to their dedication to serving the medical community. They leverage an extensive network of insurance companies, promising physicians and surgeons a wide array of options and competitive rates. eQuoteMD doesn't just offer coverage based on location and specialty, but also caters to various categories of medical facilities. With over 25 years of experience and a commitment to simplifying the insurance process, eQuoteMD is a trusted choice for medical professionals seeking comprehensive malpractice insurance.

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Editor's Summary

What people are saying: #Affordable #Trustworthy #ComprehensiveCoverage

The Analysis

Offers a wide array of options from over 50 insurance carriers, ensuring competitive rates tailored to various specialties and locations.
Comprehensive coverage for various medical facility categories, including private practices, hospitals, and clinics, making it a versatile choice for healthcare professionals.
Simplifies the insurance process with a user-friendly online platform that allows for quick comparisons and easy application submissions.
While eQuoteMD covers all 50 states, it may not have the same level of localized expertise or personalized service in niche markets compared to regional providers like SVMIC.
Limited focus on additional services, such as risk management or legal support, that may be offered by competitors like MagMutual.

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Beverly and Makenzie were incredibly friendly and provided exceptional support; I'm grateful to have such honest and knowledgeable professionals managing my insurance.

The level of expertise and kindness from Beverly and Makenzie made my experience with eQuoteMD outstanding-it's reassuring to know my insurance is in capable hands.

Rankings updated quarterly. Learn about our methodology.

#7
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COPIC Insurance

Denver, CO, USA

4.3 Editorial Score
Verified Trusted $

Copic Insurance is a highly specialized insurer that focuses on providing medical professional liability insurance to healthcare providers in the United States. The company offers a comprehensive suite of services, including coverage for physicians, advanced practice providers, group practices, clinics, and hospitals, as well as cyber liability coverage. It further distinguishes itself by offering financial planning services, retirement plan consulting, and individual life and disability insurance. Importantly, Copic places a strong emphasis on patient safety and risk management, offering educational resources and support to healthcare professionals to prevent adverse outcomes. With a robust claims management system and a commitment to unwavering defense in the face of lawsuits, Copic Insurance appears to be a reliable and comprehensive choice for medical professionals seeking liability protection.

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Editor's Summary

What people are saying: #Specialized #Comprehensive #RiskFocused

The Analysis

Offers comprehensive coverage for a wide range of healthcare providers, including physicians, advanced practice providers, group practices, clinics, and hospitals, ensuring tailored solutions for diverse medical practices.
Provides robust risk management and patient safety resources, including educational programs and tools designed to help healthcare professionals prevent adverse outcomes, which can enhance overall practice safety.
Includes financial planning services, retirement plan consulting, and individual life and disability insurance, allowing clients to address multiple financial needs through a single provider.
Primarily focuses on the U.S. market, which may limit their appeal for healthcare providers seeking international coverage options compared to some competitors.
May have higher premiums than some other providers, such as Heffernan Insurance Brokers, which could deter cost-sensitive clients.

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Samantha Anderson is an exceptional physical therapist; I've had the pleasure of working with her twice and couldn't be more impressed with her expertise and care.

The support I received from Samantha Anderson during my physical therapy sessions was outstanding-her positive attitude and professionalism truly made a difference in my recovery.

Rankings updated quarterly. Learn about our methodology.

#8
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Diederich Healthcare

Marion, IL, USA

4.2 Editorial Score
Licensed Responsive $$

Diederich Healthcare, a division of Diederich Insurance Agency, LLC, offers quality and cost-effective medical professional liability insurance for healthcare practitioners and organizations. With over 50 years of experience, they strive to protect their clients against inherent risks associated with medical practices. The company has a well-structured process to help clients minimize malpractice insurance premiums and maximize cost-effective coverage. Diederich Healthcare prides itself on its commitment to integrity, compassion, and excellence, as well as a diverse selection of coverage options. Moreover, their extensive network of more than a hundred contracted insurance affiliates ensures greater market accessibility. Their dedication to personalized service, as testified by their clients, sets them apart in the medical malpractice insurance industry.

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Editor's Summary

What people are saying: #Trusted #CostEffective #ExtensiveCoverage

The Analysis

Over 50 years of experience in the medical malpractice insurance sector, providing deep industry knowledge and expertise.
Offers a diverse selection of coverage options tailored for various healthcare practitioners and organizations, ensuring comprehensive protection.
Access to a network of more than a hundred contracted insurance affiliates, enhancing market options and competitive pricing for clients.
Primarily operates in the Midwest region, which may limit accessibility for practitioners in other areas compared to nationwide providers like Heffernan Insurance Brokers.
May not offer the fastest claim processing times, as some competitors emphasize quicker turnaround times for claims handling.

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Diederich Healthcare provides outstanding customer service and competitive pricing; I always feel supported and know my agent is just a call away.

I appreciate how accessible and reliable Diederich Healthcare is-it's reassuring to have an agent who truly follows through on their commitments.

Rankings updated quarterly. Learn about our methodology.

#9
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MagMutual

Atlanta, GA, USA

4.1 Editorial Score
Award Winning Reputable $$$

MagMutual is a U.S.-based mutual insurance company that stands out for its dedication to protecting and supporting healthcare providers with tailored medical malpractice insurance. With over four decades of experience, the company has insured over 40,000 physicians and healthcare organizations, demonstrating its solid reputation and commitment to risk reduction. The company offers a full suite of insurance solutions, including medical malpractice, cyber liability, regulatory, business, and workers' compensation coverage, ensuring comprehensive protection for the evolving needs of healthcare professionals. Additionally, MagMutual's Learning Center offers educational resources that have helped physicians reduce malpractice losses by 10%, underlining the company's commitment to empowering its policyholders with knowledge. Lastly, it is impressive that MagMutual has returned over $468 million in financial rewards to its policy owners, showcasing its dedication to sharing its success with those it serves.

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Editor's Summary

What people are saying: #Trusted #ComprehensiveCoverage #KnowledgeEmpowerment

The Analysis

Offers a comprehensive suite of insurance solutions including cyber liability and regulatory coverage, unlike many competitors who focus solely on malpractice insurance.
Has a dedicated Learning Center that provides educational resources, contributing to an average 10% reduction in malpractice losses for insured physicians.
More than four decades of experience with a track record of insuring over 40,000 healthcare professionals, showcasing a solid reputation and deep industry knowledge.
Higher premium rates compared to companies like Heffernan Insurance Brokers and eQuoteMD, which may offer more competitive pricing for similar coverage.
Limited availability in certain states, as some competitors have a broader geographic reach.

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Working with MagMutual was a delightful experience; their team is incredibly professional and supportive, making the process seamless and enjoyable.

I couldn't be happier with my decision to choose MagMutual for my medical malpractice insurance; their commitment to customer service truly sets them apart.

Rankings updated quarterly. Learn about our methodology.

#10
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Insureon

Chicago, IL, USA

4.0 Editorial Score
Established Reputable $$$$

Insureon emerges as a premier digital agency that specializes in small business insurance across various industries in the US. With an impressive suite of offerings from general liability to cyber insurance, Insureon sets itself apart with its instant online quotes, making it convenient for busy business owners to secure comprehensive coverage. They boast a highly competent team, including expert sales producers who guide clients through the complexities of insurance coverage. Their dedication to customer retention is evident in their account management team's commitment to service ease. What's more, their strategic partnerships with A+ rated carriers ensure customers receive competitive rates. Notably, Insureon's educational resources and customer acquisition strategies show a deep understanding of their clientele's diverse needs and search behavior.

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Editor's Summary

What people are saying: #Professional #Efficient #Reliable

The Analysis

Instant online quotes provide immediate pricing options, making it easy for busy business owners to get coverage quickly.
Strong partnerships with A+ rated carriers ensure competitive rates and reliable coverage options.
Dedicated account management team focuses on customer retention and service ease, providing personalized support throughout the insurance process.
Primarily focuses on small business insurance, which may limit options for larger medical practices compared to companies that cater to a wider range of business sizes.
Less emphasis on specialized medical malpractice coverage compared to providers like SVMIC and COPIC Insurance, which focus specifically on healthcare practitioners.

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Insureon made securing my medical malpractice insurance a breeze; their team was incredibly knowledgeable and guided me through every step of the process.

I was impressed by the exceptional customer service at Insureon; they truly prioritize their clients' needs and helped me find the perfect coverage quickly.

Rankings updated quarterly. Learn about our methodology.

Before You Hire

Key considerations when evaluating providers in this industry.

1

Nationwide coverage

2

At least ten years in the medical insurance industry

3

A minimum of 500 policies sold in the previous year

Frequently Asked Questions

There are mainly two types of medical malpractice insurance: claims-made and occurrence. Claims-made policies cover incidents that occur and are reported while the policy is in effect, and they often cost less initially but can increase over time. On the other hand, occurrence policies cover any incident that took place while the policy was active, regardless of when it's reported, offering more extensive coverage but at a higher initial price.
Medical malpractice insurance serves as a safety net for healthcare providers by covering the costs associated with legal claims or lawsuits due to alleged negligence or errors in treatment. These costs can include legal defense fees, settlements, and awards for damages, which could be financially devastating without insurance coverage. This type of insurance also provides peace of mind for healthcare professionals, allowing them to focus on patient care without constant worry about potential litigation.
Choosing a medical malpractice insurance policy requires careful examination of several factors. Policy limits, which dictate the maximum payout for a single claim and the total payout for all claims in a policy year, need to be high enough to cover potential lawsuits. The type of coverage, whether claims-made or occurrence, also plays a significant role; while claims-made policies cover incidents that occur and are reported while the policy is active, occurrence policies cover any incident that occurred while the policy was active, regardless of when it's reported. Finally, the reputation and financial stability of the insurance provider should be factored in, as this can impact their ability to handle claims and provide consistent coverage.
Premiums for medical malpractice insurance are determined by several factors including the specific field of medicine, the practitioner's experience, and the geographic location of the practice. High-risk specialties like neurology or obstetrics typically face higher premiums, as do professionals with prior malpractice claims. The location of the practice also impacts costs, with premiums often being higher in regions with a history of high malpractice payouts.
Medical malpractice insurance is not universally required by law, but regulations vary widely by state and medical specialty. For instance, while certain states like Pennsylvania and Rhode Island mandate malpractice coverage for doctors, others do not have such specific requirements. However, even in states without such laws, hospitals and other medical facilities often require physicians to carry malpractice insurance as a condition of granting privileges, making it a practical necessity for most providers.
Medical malpractice insurance typically covers errors and negligence related to patient care, but not all types of medical errors. For example, it does not usually cover criminal acts, sexual misconduct, or false advertising by a healthcare provider. Coverage specifics can vary significantly between different insurers and policies, so it's important for healthcare professionals to closely examine the terms and conditions of any policy they're considering.
The typical coverage limit for a medical malpractice insurance policy often falls between $1 million and $3 million per incident, with an aggregate amount typically double the per-incident limit for the policy period. However, these limits can vary greatly depending on the specialty of the healthcare provider, the risk level, and the region in which they practice. It's always prudent for healthcare professionals to assess their individual risk factors and consult with an insurance professional to determine the most suitable coverage limit for their specific needs.
Occurrence-based policies in medical malpractice insurance cover incidents that occur during the policy period, regardless of when the claim is filed. This means that even if the policy is no longer in effect, you're still covered for incidents that happened during the time it was active. On the other hand, claims-made policies only cover claims that are both made and reported while the policy is active. If you switch providers or drop your coverage, you may need to purchase "tail" coverage to protect against claims made after the policy ends for incidents that occurred during its tenure.
A typical medical malpractice insurance policy may have several exclusions or limitations. Policies often exclude coverage for claims arising from criminal acts, sexual misconduct, or alterations of medical records. Additionally, they may limit coverage for certain high-risk procedures or incidents that occurred before the policy period. Coverage limits also typically apply, capping the amount an insurer will pay for a single claim or for all claims during the policy period. Therefore, it's necessary to carefully review the policy's terms and conditions to fully understand what is and isn't covered.
Yes, the cost of medical malpractice insurance can be deducted for tax purposes. This is because it is considered an ordinary and necessary business expense for medical professionals. However, tax codes can change and it is always advisable to consult with a tax professional to confirm the current regulations and eligibility for deductions.

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