Best Medical Malpractice Insurance Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Medical Malpractice Insurance Firms in USA
Executive Summary
We analyzed 5 solutions. Top Recommendation: Malpractice Insurance by MedPro Group scored highest due to Best for large physician groups, hospitals, and high‑risk specialties needing maximum financial strength and defense. Backed by Berkshire Hathaway and rated A++ [1], covers 300, 000+ insureds nationwide [2], and emphasizes risk tools and claims defense [3].
At a Glance
Malpractice InsurancebyMedPro Group
Best for: Best for large physician groups, hospitals, and high‑risk specialties needing maximum financial strength and defense. Backed by Berkshire Hathaway and rated A++ [1], covers 300, 000+ insureds nationwide [2], and emphasizes risk tools and claims defense [3].
View Full Details →Jump to section:
MedPro Group
Company Information
MedPro Group is a leading provider of healthcare liability insurance and risk management solutions for healthcare professionals, hospitals, and facilities. With over 115 years of experience, they offer customized insurance, claims, and patient safety solutions.
Company Overview
Company Details
Financial Information
Contact Information
Key Value Propositions
- Leading malpractice insurance coverage
- Tailored coverage solutions for different healthcare specialties
- Strong claims defense and risk management support
Technology Stack
Industries Served
Technical Information
Social Proof
Customer Testimonials
It wasn’t until after I had a claim that I realized how thankful I am that my group chose MedPro Group. They took fantastic care of me.
Working with the MedPro team has been fantastic. They made me feel comfortable as I made the nerve-wracking decision to switch from a carrier I’d been with for over 20 years.
I reminded myself that I’m the expert in my profession, and they’re the expert in theirs. I trusted MedPro to do their job, and they did – winning my case.
The lawyer MedPro Group appointed me understood my specialty very well. He was very good about knowing the facts and was able to understand the issues surrounding my case.
Everybody was absolutely awesome. They could predict how proceedings were going to go because of their experience in the field, which made me feel taken care of.
Healthcare is a serious business with potentially huge liabilities. Knowing I have a carrier who will be there to defend me if needed, allows me to focus on providing the best care.
Social Links & Discovery
Categories
Keywords
Target Customers
Summary
MedPro's Malpractice Insurance is designed to protect healthcare professionals and organizations from the financial and reputational risks associated with malpractice claims. The policy is flexible, customizable, and backed by over 125 years of experience in the industry.
Overview
MedPro's Malpractice Insurance offers comprehensive, customizable coverage for healthcare professionals and organizations, providing protection against malpractice claims with stable pricing, flexible solutions, and dedicated support.
Best For
Best for large physician groups, hospitals, and high‑risk specialties needing maximum financial strength and defense. Backed by Berkshire Hathaway and rated A++ [1], covers 300, 000+ insureds nationwide [2], and emphasizes risk tools and claims defense [3].
Key Features
- Flexible, customizable coverage options
- Solutions tailored to fit individual or group practices
- Stable pricing informed by 125+ years of data
- Annual premium discounts available
- Claims support with a dedicated defense team
- Reliable customer service
- Multiple payment plan options
- Risk consultations with expert consultants
Key Benefits
- Comprehensive nationwide coverage
- Customizable solutions for any group size or structure
- Stable and fair pricing based on extensive industry experience
- Annual premium discounts (e.g., for CE courses, claim-free history)
- Proactive and supportive claims response
- Dedicated customer service
- Flexible premium payment plans
- Access to risk consultations with experts
Who Is It For
- Healthcare professionals
- Healthcare organizations
- Medical groups of any size or structure
Features & Modules
Learn the basics
Malpractice Insurance Guide helps you understand the three factors that go into choosing a policy: Coverage, Carrier, and Cost.
- Coverage: Difference between policy types and which is right for you.
- Carrier: How to choose between carriers and which stats to compare.
- Cost: How annual premium is calculated and why value wins over price.
We've got you covered
A MedPro policy has it all — and then some. Here is what you can expect from our industry-leading malpractice coverage.
- Flexible, customizable coverage
- Comprehensive nationwide coverage
- Solutions to fit your practice
- Stable and fair pricing
- Annual premium discounts
- Peace of mind during claims
At your service
Once you're covered by MedPro, our team becomes part of yours. We're dedicated to great customer service and easy-to-use tools.
- Reliable service: Dedicated service team for quick answers.
- Payment plans: Choose a premium payment plan that works best for you.
- Risk consultations: Talk through risk issues with an expert risk solutions consultant.
- Claims support: The best claims defense team will be on your side.
Pricing
Available In
The Doctors Company
Company Information
The Doctors Company is the nation's largest physician-owned medical malpractice insurer, on a mission to advance, protect, and reward the practice of good medicine.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Physician-owned
- Long-standing industry presence (over 45 years)
- Comprehensive risk management resources
- Strong financial strength ($7.8B in assets)
- Accredited education programs
Technology Stack
Industries Served
Technical Information
Social Proof
Customer Testimonials
The Doctors Company provides the best imaginable service for their members.
Trusted By
Case Studies
How Inflation Is Impacting Medical Malpractice Claims
Healthcare Professionals
A study examining the added insured losses and expenses due to inflation impacting medical malpractice claims.
Read Case StudySocial Links & Discovery
Categories
Keywords
Target Customers
Summary
Medical Malpractice Insurance from The Doctors Company provides coverage and risk management solutions for physicians, surgeons, and medical groups. The offering includes strong claims defense, free tail coverage for qualified members, legal representation for administrative actions, cyber liability protection, and access to patient safety resources. The company is physician-owned and has over 45 years of experience.
Overview
The Doctors Company is the nation’s largest physician-owned medical malpractice insurer, protecting more than 100,000 physicians and surgeons nationwide. They 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. They provide comprehensive risk solutions for large groups, healthcare systems, and hospitals. No matter how you practice, The Doctors Company offers expert guidance, resources, and coverage.
Best For
Best for physician‑owned practices, specialty groups, and systems seeking physician‑aligned insurer with national advocacy and risk expertise. Largest physician‑owned MPL carrier [1], AM Best A with positive outlook [2], and strong member service/NPS [3].
Key Features
- Physician-owned and operated
- Coverage for more than 100, 000 physicians and surgeons nationwide
- Flexible insurance solutions tailored to unique group risks
- Personalized service plans with dedicated patient safety specialists
- Industry-leading claims defense and litigation support
- Data-driven risk management using the industry’s largest claims database
- Comprehensive risk solutions for large groups and healthcare systems
Key Benefits
- Never settle a claim without your consent (where permitted by law)
- Free tail coverage for qualified members upon retirement, disability, or death
- Automatic MediGuard coverage for legal representation in administrative actions
- CyberGuard liability protection for privacy and data security exposures
- Access to patient safety resources and risk management experts
- Eligibility for The Tribute® Plan, rewarding loyalty and superior patient care
- Premium credits and discounts for specialty-specific programs
- Endorsements from major national and regional medical organizations
Who Is It For
- Physicians
- Surgeons
- Medical groups (including multispecialty, multistate groups)
- Healthcare professionals
- Large groups, healthcare systems, and hospitals
Features & Modules
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. They 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. They also provide comprehensive risk solutions for large groups, healthcare systems, and hospitals.
- Coverage for more than 100,000 physicians and surgeons
- Comprehensive risk solutions for large groups, healthcare systems, and hospitals
- Expert guidance, resources, and coverage
Industry-Leading Defense
Your defense starts with a promise to never settle a claim without your consent, where permitted by 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.
- Never settle a claim without your consent (where permitted by law)
- Support throughout the litigation process
Free Tail Coverage
MediGuard
MediGuard coverage is automatically provided as part of the medical malpractice policy. This coverage provides 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.
- Legal representation for administrative actions
- Covers actions by Medicare/Medicaid, licensing boards, credentialing reviews, EMTALA, DEA
CyberGuard
CyberGuard liability protection is included as part of core coverage to address privacy and data security exposures, which are a growing threat to medical practices.
- Cyber liability protection for privacy and data security exposures
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. The industry’s largest claims database enables anticipation of emerging trends and delivery of innovative patient safety tools.
- Access to patient safety resources
- Data-driven risk management
- Innovative patient safety tools
The Tribute® Plan
Specialty-Specific Programs
Premium credits and discounts are available for members who demonstrate a strong commitment to their specialty.
- Premium credits and discounts for specialty-specific programs
Customer Testimonials
Without a doubt, one of the most consistently ’spot-on’ organizations I have ever worked with. Proactive, professional, reasonably priced, and conscientious. Keep setting the example for others to follow!
The Doctors Company is doctor-oriented, doctor-supportive, and doctor-friendly. My interaction with them has been excellent.
Pricing
Pricing is personalized. Prospective members are invited to get a quote by providing information about themselves and their ZIP code. Premium credits and discounts are available for specialty-specific programs.
Available In
Security
- CyberGuard liability protection included for privacy and data security exposures
- Vulnerability disclosure policy and submission available
Compliance
- Never settle a claim without your consent, where permitted by law
CNA
Company Information
CNA Insurance is a leading provider of business insurance solutions, offering a wide range of products and services to help businesses manage risk and protect their assets. With expertise in various industries, including construction, healthcare, and technology, CNA provides tailored insurance solutions to meet the unique needs of each business.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Expertise in business insurance
- Tailored solutions for risk management
- Comprehensive coverage across industries
Technology Stack
Industries Served
Technical Information
Social Links & Discovery
Social Media
Categories
Keywords
Target Customers
Summary
CNA Insurance provides business insurance products and solutions tailored to help manage exposures and minimize loss for businesses across many industries and of any size. Their offerings include both standard and specialized insurance products, as well as risk management services.
Overview
CNA Insurance offers a wide range of business insurance products and solutions specialized to meet a variety of insurance and risk management needs for businesses of all sizes.
Best For
Best for hospitals, health systems, and allied providers needing a single carrier with national programs. CNA is a top‑five underwriter for hospital MPL [1], underwrites HPSO for allied health and offers risk‑control resources [2], and runs the NSO nurses program [3].
Key Features
- Comprehensive product portfolio including property, casualty, liability, and specialty coverages
- Industry-specific solutions and affinity programs
- Risk control services and resources
- Global and domestic coverage options
Key Benefits
- Specialized insurance and risk management solutions
- Coverage for a wide array of business risks
- Tailored products for specific industries and business sizes
- Access to risk control professionals and resources
Who Is It For
- Businesses of all sizes
- Small businesses
- Middle market companies
- National accounts
- International businesses
- Industry-specific segments (e.g., construction, healthcare, technology, manufacturing, financial institutions, real estate, professional services, life sciences)
Features & Modules
Business Insurance Products and Solutions
Explore Our Products
- Casualty
- CNA Connect® (Small Businessowners Policy)
- Commercial Auto
- Commercial Package (CNA Paramount®)
- Cyber
- Equipment Breakdown
- General Liability
- Management & Professional Liability
- Marine
- Property
- Surety
- Umbrella & Excess Casualty
- Warranty & Alternative Risks
- Workers’ Compensation
Explore Our Solutions
- Affinity Programs
- International Solutions
- Middle Market
- National Accounts
- Small Business
Available In
ProAssurance
Company Information
Company Overview
Company Details
Contact Information
Trust & Compliance
Key Value Propositions
- Comprehensive malpractice insurance
- Risk management resources
- Educational materials on medical professional liability
Industries Served
Technical Information
Summary
ProAssurance is a leading national insurance company with over 45 years of experience serving physicians. The company is committed to defending good medicine and providing strategies to help healthcare teams confidently pursue high standards of care. ProAssurance offers customized malpractice insurance solutions for physician groups, healthcare organizations, and hospital/health systems, regardless of the size of their medical liability risk.
Overview
ProAssurance is a leading national insurance company with over 45 years of experience serving physicians. The company is committed to defending good medicine and providing strategies to help healthcare teams confidently pursue high standards of care. ProAssurance offers customized malpractice insurance solutions for physician groups, healthcare organizations, and hospital/health systems, regardless of the size of their medical liability risk.
Best For
Best for multi‑state practices and systems wanting a top‑five MPL carrier with specialty programs. Offers physician, hospital and allied coverage with A (Excellent) strength [1], optional cyber/regulatory add‑ons via ProSecure [2], and scale validated by pending TDC acquisition [3].
Key Features
- Coverage for a wide range of medical specialties and healthcare organizations
- Customizable coverage structures (consent to settle, tail coverage, defense costs, self-insured retentions and deductibles, incident reporting)
- Divisions and programs for anesthesia (PPM), non-surgical family medicine and pediatric practices (Optimal Practice Insurance), and obstetrician-gynecologists (OBRA)
- Risk sharing programs including loss portfolio transfers, prior acts reporting coverage, loss sensitive programs, and alternative risk programs (e.g., turnkey captive solutions)
- Coverage options for unique risks through subsidiaries for podiatrists (PICA), chiropractors (OUM), and dental professionals (DentistCare)
- Reentry program for those seeking to return to the standard market
Key Benefits
- Customized insurance solutions tailored to the size and needs of the healthcare organization or practice
- Access to specialty-specific programs and divisions
- Risk sharing and alternative risk transfer options for large groups
- Innovative liability solutions for emerging healthcare risks
- Patient safety programs and profit-sharing opportunities in select programs
- Support for reentry into the standard medical professional liability market
Who Is It For
- Physicians
- Physician groups
- Large regional or national physician healthcare organizations
- Hospital/health systems
- Medical professionals and healthcare businesses (including non-surgical family medicine and pediatric practices in select states)
- Specialties such as anesthesia, obstetrician-gynecologists, podiatrists, chiropractors, dentists, oral surgeons, and other dental specialists
- Emerging healthcare classes (telemedicine, virtual medicine, locum tenens, emergency medicine, multistate, multispecialty)
Features & Modules
Overview
ProAssurance is a leading national insurance company with a history of success in and out of the courtroom. With over 45 years of experience serving physicians, ProAssurance is committed to defending good medicine and providing strategies to help your team confidently pursue high standards of care.
Coverage Options
Divisions and Programs
ProAssurance offers a variety of products and programs for specific specialties and providers. Ask your appointed agent or underwriter if one of our programs could be the right fit for your practice.
- Preferred Physicians Group (PPM): Anesthesia-focused mutual insurance company.
- Optimal Practice Insurance: Affordable insurance for non-surgical family medicine and pediatric practices in AZ, CO, NC, TN.
- Ob-Gyn Risk Alliance (OBRA): Exclusively for obstetrician-gynecologists, includes patient safety program and profit-sharing.
Custom Physicians
Innovative liability solutions for emerging healthcare classes of risks with diverse needs. The Excess & Surplus (E&S) division provides single-source solutions for alternatives to the standard market. Solutions may include varying levels and structures of coverage to suit your needs.
- Coverage for telemedicine, virtual medicine, locum tenens, emergency medicine, multistate, multispecialty, risk sharing, and more.
- Customizable options: consent to settle, tail coverage, defense costs, self-insured retentions and deductibles, incident reporting.
- Reentry Program Option: For those wishing to enter the standard market, subject to program fee, interview, documentation, and compliance.
Risk Sharing Programs
Large group options present the opportunity to share risk and rewards for good outcomes according to the level of risk you assume.
- Loss portfolio transfers (LPT): Transfer liabilities (known claims and IBNR or only IBNR).
- Prior acts reporting coverage: For tail exposures when purchasing physician practices.
- Loss sensitive programs: Large deductible plans, retrospective rating, profit share options.
- Alternative risk programs: Turnkey captive solution through Inova® program or other options.
Placing Unique Risks Through Our Lines of Business
ProAssurance Group subsidiaries offer coverage options for dentists, chiropractors, and podiatrists.
- PICA: Podiatric Physicians Medical Professional Liability Insurance Program.
- OUM: Medical professional liability insurance for chiropractors.
- DentistCare: Professional liability insurance for dentists, oral surgeons, and dental specialists.
Available In
Coverys
Company Information
Company Overview
Company Details
Key Value Propositions
- Rated A (Excellent) by A.M. Best
- 50 years of experience in healthcare liability
- Comprehensive risk management strategies
Industries Served
Technical Information
Summary
Coverys offers comprehensive insurance and risk solutions for healthcare professionals and organizations. Their offerings include traditional/admitted carriers, excess and surplus lines, risk retention groups, value-based care protection, allied protection, and London subscription placements. These solutions are supported by industry-leading risk mitigation services and analytics.
Overview
Coverys Insurance Coverage Solutions provides a wide range of A-rated insurance protection options for healthcare professionals and organizations, including robust risk management services, claims analytics, and education resources. The solutions are designed to improve clinical, operational, and financial outcomes, allowing healthcare providers to focus on patient care and improving outcomes.
Best For
Best for organizations prioritizing data‑driven risk mitigation alongside coverage. A‑rated carrier with 50 years’ experience [1], advanced risk analytics and customizable protections [2], and integrated RiskRx PRO services to improve outcomes [3].
Key Features
- Traditional/admitted insurance carriers
- Excess and surplus lines
- Risk retention groups
- Value-based care protection
- Allied protection
- London subscription placements
- Integrated suite of services (RiskRx PRO)
- Business analytics
- Continuing education
- Emotional support
- The REACT Program
Key Benefits
- A-rated insurance protection
- Robust risk management services
- Claims analytics
- World-class Med-IQ education resources
- Improved clinical, operational, and financial outcomes
- Industry-leading protection and risk mitigation services
- Access to expert risk consultants
- Tools to improve patient safety and reduce liability exposure
Who Is It For
- Physicians & Surgeons
- Dentists
- Podiatrists
- Certified Nurse Midwives
- Nurse Practitioners
- Physician Assistants
- Outpatient Facilities
- Hospitals & Systems
- Accountable Care Organizations
- International Healthcare Organizations
- Employers with self-funded healthcare plans
- Hospitals working with Medicare
- Healthcare providers accepting financial risk for patient outcomes
Features & Modules
Proven Insurance Protection
Coverys provides a wide breadth of A-rated insurance protection options, robust risk management services, claims analytics, and Med-IQ education resources to improve outcomes. Insurance vehicles include traditional/admitted carriers, excess and surplus lines, risk retention groups, value-based care protection, allied protection, and London subscription placements.
Medical Professional Liability Insurance
Employer Stop Loss Solutions
Medicare Contractual Risk Protection
Provider Excess Loss Insurance
A Wide Breadth of Services for Today’s Healthcare
Who We Support In Healthcare
Count on Coverys for proven protection and innovative services.
- Physicians & Surgeons
- Dentists
- Podiatrists
- Certified Nurse Midwives
- Nurse Practitioners
- Physician Assistants
- Outpatient Facilities
- Hospitals & Systems
- Accountable Care Organizations
- International Organizations
Risk Mitigation Services
Reduce liability exposure and improve patient safety with our expert risk consultants who will work with you to identify the key drivers of risk in your organization. With access to claims data insights, you’ll have the tools to improve outcomes.
- Risk Management
- Business Analytics
- Education
- Emotional Support
- The REACT Program
Available In
Data Quality & Transparency
Our Ranking Methodology
How we rank these offerings
We ranked these Medical Malpractice Insurance Firms in USA using a weighted scoring formula: Claims Defense Expertise (40%), Financial Strength Rating (35%), Risk Management Resources (25%). N/A values receive 0 points. Malpractice Insurance (MedPro) scored highest with 97.5 due to unmatched claims defense, top financial strength, and extensive risk management resources. Companies with lower scores had comparatively less robust evidence in one or more areas.
Ranking Criteria Weights:
Strong claims defense is crucial for medical malpractice insurers as it directly impacts the financial and reputational well-being of healthcare providers.
Comprehensive risk management resources help reduce potential claims, enabling healthcare providers to operate more safely and confidently.
Financial strength is essential for ensuring that the insurer can cover claims, providing peace of mind to policyholders in financially uncertain times.
Frequently Asked Questions
- What are the typical costs and pricing models for medical malpractice insurance in the USA?
- The cost of medical malpractice insurance varies widely based on factors such as location, specialty, and coverage limits. MedPro Group provides flexible premium options that align with individual risk levels, while The Doctors Company offers member benefits that can reduce costs for physicians. ProAssurance also collaborates with healthcare entities to tailor pricing models that reflect their specific risk profiles. Group discounts are common among companies like Coverys, which uses advanced analytics to optimize pricing.
- What key criteria should be considered when selecting a medical malpractice insurance provider?
- Selecting a medical malpractice insurance provider involves evaluating financial strength, risk management services, and claims support. MedPro Group's A++ financial strength offers reassurance of claim fulfillment, while The Doctors Company's data-driven risk management enhances coverage value. CNA's robust national programs for nurses and allied health professionals highlight the importance of specialized expertise, and ProAssurance's wide national footprint offers flexibility. Coverys' use of advanced analytics for risk mitigation is a crucial factor for many healthcare providers.
- What are the industry standards and compliance regulations for medical malpractice insurance?
- The medical malpractice insurance industry in the USA is governed by state-specific regulations and tort reform laws, which impact policy structure and compliance. Industry leaders, such as MedPro Group and The Doctors Company, adhere to stringent state insurance requirements and contribute to advocacy efforts for policyholder protections. Companies like Coverys leverage their 50-year track record to ensure compliance with evolving industry standards by integrating advanced analytics into their compliance frameworks.
- What implementation challenges might companies face when integrating medical malpractice insurance, and what solutions exist?
- Implementation challenges include understanding diverse policy options and aligning them with practice risks. Companies like CNA address these by providing extensive risk control resources and deep claims expertise, facilitating smoother integration. ProAssurance also offers specialty programs that cater to varying healthcare practices, mitigating complexity. Collaboration with insurers such as The Doctors Company and Coverys ensures that policyholders receive ongoing risk management support to tackle integration hurdles.
- How can a company measure the ROI and value delivery of their medical malpractice insurance?
- ROI and value delivery can be measured by evaluating reduced claim frequency, cost savings on premiums, and enhanced risk management outcomes. The Doctors Company offers data-driven risk management solutions that can demonstrate direct value through improved claims metrics. MedPro Group's robust defense expertise provides substantial legal savings, while ProAssurance's tailored MPL programs deliver tangible financial benefits. Coverys' emphasis on risk mitigation services is also indicative of a strong ROI framework.
Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.
Free Report: Pest Control Technician Salary Data by State
Wage gap analysis across all 50 states — how pest control pay compares to HVAC, plumbing, and electrical trades, and what PCO owners should do about it.
Read the full report