Medical malpractice insurance

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Medical malpractice insurance protects physicians against lawsuits by patients for treatment or surgery. In 2007, it was reported that the average internist pays $74,855 per year and the average general surgeons pays $299,420 per year in medical malpractice insurance.[1]

States that require medical malpractice insurance for licensure are:[2]

Florida requires physicians to prove that they can pay a $250,000 award. New Jersey has no statutory requirement, but the Board of Medical Examiners insists on coverage of $1 million per case and $3 million per year. Ohio lacks a statutory requirement, but imposes an administrative rule mandating that any physician lacking malpractice insurance must have signed consent by all non-emergency patients agreeing to treatment by a physician who lacks malpractice insurance.

States that require medical malpractice insurance in order for a physician to benefit from an awards caps are:

States that require medical malpractice insurance as a condition of holding hospital privileges:


  1. See "Hospital not liable for uninsured doctor" by Amy Lynn Sorrel, AMNews June 18, 2007.
  2. This list is from 2012, and may change from time to time. Please check the most current laws before making a decision.