Medical Malpractice Insurance for Physicians, Surgeons, and Groups
The Doctors Company is the nation’s largest physician-owned medical malpractice insurer, protecting more than 100,000 physicians and surgeons nationwide. We deliver superior coverage and are the only carrier able to relentlessly defend, protect, and reward the practice of good medicine with national resources and local clout. We also provide comprehensive risk solutions for large groups, healthcare systems, and hospitals. No matter how you practice, we’ll be there for you with expert guidance, resources, and coverage.
As a physician, surgeon, or healthcare practice leader, you face professional risks every day. Even when care meets the appropriate standard, unexpected outcomes, communication issues, or allegations of negligence can result in a malpractice claim.
Medical malpractice insurance is a type of professional liability insurance that helps protect you and your practice from the financial and legal impact of these claims. Coverage typically includes legal defense costs, settlements, judgments, and other covered expenses.
More than just financial protection, medical professional liability insurance provides access to experienced claims professionals and risk management resources that can help you navigate complex situations with confidence.
Medical professional liability insurance helps protect physicians, surgeons, and healthcare organizations when a patient alleges that medical care caused harm.
When a claim is filed, coverage may help with:
- Legal defense costs
- Attorney fees and court expenses
- Settlements and judgments
- Licensing board matters and other covered proceedings
The claims process typically includes:
- Claim review and investigation: Experienced claims professionals evaluate the allegations and gather relevant information
- Legal defense: Specialized defense counsel is assigned to represent your interests
- Resolution: The claim may be dismissed, settled, or proceed to trial depending on the circumstances
Even when a claim lacks merit, defending yourself can require significant time and resources. Medical professional liability insurance helps ensure you have the financial protection and expert support needed to navigate the process.
Because every specialty faces unique risks, coverage options, limits, and policy features should be tailored to your practice and professional needs.
We offer medical malpractice coverage—and peace of mind—to even the largest multispecialty, multistate groups of doctors.
Our finely calibrated risk profiles and flexible insurance solutions can help your group ensure that its unique risks are covered responsibly. Our dedicated patient safety specialists will partner with your group to create a personalized service plan.
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To make changes to your policy or update your information, call Member Services at
(800) 421-2368.
Industry-Leading Defense
Your defense starts with a promise to never settle a claim without your consent, subject to your policy terms and applicable law. If you are sued, seasoned advocates will support you throughout the litigation process and teach you the skills necessary to be a strong player in your own defense.
Free Tail Coverage
We offer free tail coverage for qualified members upon retirement from the practice of medicine or in the event of disability or death.
MediGuard
We automatically provide MediGuard® coverage as part of our medical malpractice policy. This important coverage provides you with legal representation for administrative actions brought by Medicare/Medicaid, medical licensing boards, credentialing reviews and actions, professional review organizations, federal agencies regarding EMTALA, and the DEA.
Cyber Liability Coverage
Privacy and data security exposure is the fastest growing threat to your medical practice. As a member, you receive cyber liability protection as part of your core coverage.
Visionary Risk Management Experts
Members have access to a wealth of resources, including industry-leading programs that help doctors and practices implement effective protocols, resulting in significantly fewer allegations of malpractice. And the industry’s largest claims database gives us an unparalleled understanding of lawsuits against doctors. This data-driven approach enables us to anticipate emerging trends and deliver innovative patient safety tools to help our members reduce risk.
The Tribute® Plan
We believe that doctors deserve more than a little gratitude for a career spent practicing good medicine. That’s why we created the Tribute® Plan in 2007 to reward members for their loyalty to The Doctors Company and for their commitment to superior patient care. We’ve paid more than $200 million in Tribute awards, and the highest award paid to date is $264,808.
Specialty-Specific Programs
For members who demonstrate a strong commitment to their specialty, we go above and beyond by offering premium credits and discounts.
We're proud to be endorsed by regional partners and these national organizations:
How to Choose an Insurer
Choosing the right malpractice insurer is one of the most important professional decisions you’ll make.
Frequently Asked Questions (FAQs)
Medical professional liability insurance and medical malpractice insurance are often used interchangeably. Both refer to coverage designed to protect healthcare professionals against claims alleging negligence, errors in treatment, misdiagnosis, or other professional liability exposures. The coverage can help with legal defense costs, settlements, judgments, and other covered expenses.
Yes. Physicians face a variety of professional risks throughout their careers, regardless of specialty or practice setting. Insurance that includes medical professional liability coverage helps protect against malpractice claims and provides access to experienced claims professionals and legal defense resources.
Medical professional liability insurance typically helps cover legal defense costs, attorney fees, settlements, and judgments resulting from covered claims. Coverage may also include protection for licensing board matters and other professional liability issues, depending on the policy.
Doctor malpractice risks can vary significantly based on specialty, procedures performed, and patient populations served. Surgeons, emergency physicians, anesthesiologists, and other specialists may have different coverage needs than primary care physicians, making it important to select a policy tailored to your practice.