Physicians & Medical Providers
Solo physicians, group practices, surgeons, telemedicine providers, nurse practitioners — and the individual risks other brokers have already declined.
Physician malpractice is the most specialty-sensitive line in healthcare. Two doctors in the same building, with the same claims history and the same limits, can be an order of magnitude apart on premium purely on procedure mix — which is why a quote that looks wrong usually isn't, and a quote that looks right for the wrong specialty is the expensive mistake.
We place the full range, from medical directors with no patient contact through to neurosurgery, and we are most useful to you at the difficult end: physicians with claims history, license actions, gaps in coverage, or a scope of practice the standard market won't look at.
The cover that actually responds.
Professional liability
Claims-made or occurrence at $1M/$3M and above, with consent-to-settle, prior acts and tail options negotiated rather than accepted as offered.
Hard-to-place and impaired risk
Adverse claims history, license actions, lapsed coverage, or a procedure mix outside standard appetite — placed on E&S or RRG paper where the admitted market declines.
Telemedicine and multi-state scope
Cross-border licensure, asynchronous care and platform exposures, with the state-by-state footprint underwritten properly rather than assumed.
Corporate and entity cover
Practice-level liability, medical director cover, and vicarious liability for employed NPs, PAs and CRNAs.
Tail and prior acts
Extended reporting on retirement, death and disability provisions, and prior-acts cover when a physician moves carrier or practice.
What it costs.
Indicative annual premium — by risk class
Professional liability at $1M/$3M limits. Ranges reflect the spread between benign and litigious venues.
| Operation | Indicative annual premium |
|---|---|
| Medical director (no patient care) | $2,800 – $3,500 |
| Primary care or low-risk specialty | $5,000 – $15,000 |
| Moderate-risk specialty | $12,000 – $55,000 |
| High-risk surgical specialty | $20,000 – $350,000 |
| Hard-to-place / impaired risk (E&S or RRG paper) | $75,000 – $200,000 |
| Telemedicine — nurse practitioner or PA | $375 – $3,000 |
| Telemedicine — specialty physician | $5,000 – $25,000 |
Indicative annual premium — by specialty
The single largest driver of physician premium. Venue and claims history move these materially in both directions.
| Specialty | Indicative annual premium |
|---|---|
| Psychiatry | $2,000 – $12,000 |
| Family medicine | $5,000 – $12,000 |
| Internal medicine | $5,000 – $15,000 |
| Dermatology | $5,000 – $30,000 |
| Radiology | $10,000 – $55,000 |
| Emergency medicine | $12,000 – $30,000 |
| Anesthesiology | $14,000 – $55,000 |
| General surgery | $40,000 – $150,000 |
| Neurosurgery | $80,000 – $300,000 |
| OB/GYN (with obstetrics) | $100,000 – $350,000 |
Indicative market ranges for 2026, shown to help you scope a risk before you submit it — they are not quotes and not an offer of coverage. Actual premium depends on venue, claims history, limits, staffing and documented controls, and can fall outside these ranges in either direction. Every risk is individually underwritten.
What moves the number.
Pushes premium higher
- Obstetrics, spine, or any procedure with a catastrophic-injury tail
- Practising in a litigious venue — venue can outweigh specialty
- Open claims, or a pattern of small settlements rather than one large one
- License action, board complaint, or a gap in continuous coverage
- Scope creep beyond the specialty declared at binding
Keeps premium lower
- Continuous coverage with no gaps and full prior acts
- Clean claims history over a full policy cycle, documented
- Narrow, clearly-declared scope of practice
- Participation in carrier risk-management and CME programs
- Group or entity placement rather than individual paper
Bring us the whole segment.
- Solo physicians and group practices
- Surgeons across all specialties
- Hard-to-place and previously declined physicians
- Telemedicine and virtual care providers
- Nurse practitioners and physician assistants
- Locum tenens and staffing arrangements
- Medical directors
- Resident and fellow programs
- Concierge and direct-pay practices
Have a risk in this class?
Send it over and we’ll get it in front of the right underwriters — matched to appetite, and before a competing broker locks the market.