Medical Malpractice Insurance for Physicians and Doctors

How Sopyla & Associates can help

The purchase of medical malpractice insurance is one of the most important decisions a healthcare provider will make. It is also one of the larger expenses involved in running an independent medical practice. As with any large purchase, it’s all about value – you want the most value for your money.

Searching For Malpractice Insurance for Doctors and Physicians

Our recommendations when a physician is beginning to search for malpractice insurance:
  1. Understand the difference between “claims made” and “occurrence” policies. Know the advantages/disadvantages of each and understand what you are buying!


Claims made policies cover claims that are made during the policy period provided the incident that causes the claim occurred after the policy retroactive date.


Occurrence policies will respond to incidents arising from services rendered during a policy term regardless of when the claim is reported.

  1. Understand some of the more important insurance policy details – the fine print.
    • Is the claim trigger incident sensitive or is it demand form?  Which one is better?
    • Are defense costs within, or in addition to policy limits?
    • In the event of a claim, who controls whether the claim is settled or defended?
    • Is the policy assessable?  
    • When is tail coverage provided for free?
  1. Get familiar with some of the insurance companies that are actively writing physician malpractice insurance policies in your region.  
    • What is the insurance company’s A.M. Best Rating? 
    • If they don’t have an A.M. Best Rating, should you be alarmed? 
    • How long have they been in business?  Why does that matter?
    • Learn something about the insurance company’s financials – how much money do they have? 
  1. Find a knowledgeable insurance broker who specializes in medical malpractice insurance for physicians.

If you had a very serious illness, you would want a specialist. You would do your research and find the very best physician who specializes in the treatment of that disease, and has done so for many years.

You should do the same with your medical malpractice insurance. Don’t trust your reputation, your assets and your livelihood with a generalist. Choose a highly experienced broker who specializes in medical malpractice insurance.

Frequently Asked Questions about Medical Malpractice Insurance for Doctors

We get a lot of questions when physicians are looking for good medical malpractice insurance. Here are the answers to some of the top questions we get asked. If you have any more, please don’t hesitate to reach out

What Does Medical Malpractice Insurance Cover for Doctors?

Medical malpractice insurance covers claims that arise from the rendering of, or the failure to rendered medical services. We have comprehensive medical practice insurance solutions for any physician, including: large multi-specialty groups, solo practicing doctors, moonlighting, locum tenen, distressed/hard-to-place and others. You can reach us toll-free at 800-807-8878.

What types of Physicians need Medical Malpractice Insurance?

All physicians need medical malpractice insurance. Affordable options (both occurrence form and claims made) are available doctors of any specialty. In addition, we can provide medical malpractice insurance for any mid-level provider, including: CRNA’s, Physician Assistants (PAs), Nurse Practitioners, etc.

How Much Does Medical Malpractice Insurance Cost for Doctors and Physicians?

Medical malpractice insurance rates vary by specialty, state of practice and many other factors (retro date, length of time in practice, claim history, etc). We have direct contracts with some of the oldest, most respected and highest rated medical malpractice insurance companies in the industry. We also have access to a nationwide network of Excess & Surplus lines carriers, including Lloyds of London. Regardless of your situation, we’ve got you covered.

You've come to the medical malpractice insurance specialists.

Speak to a Sopyla representative now by calling toll-free at 1-800-807-8878 or contact us to get a quote.

Request a Quote

Let us know how we can help.