Best Surgical malpractice coverage for hospitals in USA
Non-sponsored, Expert Verified and Transparently Ranked Surgical malpractice coverage for hospitals in USA
Published: December 19, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Malpractice Insurance by MedPro Group scored highest due to Backed by Berkshire Hathaway with more than a century of medical malpractice experience and flexible structures for hospitals, including occurrence, claims-made, and captives/large-deductible programs..
Content Verification
Side-by-Side Comparison
| Feature | #1 Malpractice Insurance (MedPro Group) | #2 Property and General Liability Insurance (The Doctors Company) | #3 Insurance Coverage Solutions (Coverys) | #4 Insurance Brokerage Services (Lockton Companies) | #5 Group Liability Insurance for Healthcare Businesses & Practices (CM&F Group) |
|---|---|---|---|---|---|
| Best For | Backed by Berkshire Hathaway with more than a century of medical malpractice experience and flexible structures for hospitals, including occurrence, claims-made, and captives/large-deductible programs. | Largest physician-owned medical malpractice insurer in the U.S. with dedicated hospital and health system programs and deep clinical risk management resources specifically tailored to surgical and inpatient risk. | Strong focus on data analytics and risk management services that help hospitals reduce surgical events and improve patient safety while maintaining robust malpractice protection. | Independent, specialized healthcare brokerage with the ability to negotiate customized, multi-carrier structures for complex hospital surgical malpractice portfolios. | Longstanding specialist in healthcare professional liability with programs that scale from individual providers to groups and clinics, enabling tailored coverage for surgical teams and outpatient facilities. |
| Coverage Limits | Capacity up to $15 million (claims-made or occurrence) for hospital liability. Cyber liability: $100, 000 included; optional additional cyber coverages up to $5 million. Optional regulatory fines and penalties coverage up to $5 million. (medpro.com) (medpro.com) | N/A | Medical professional liability: primary limits up to $2, 000, 000 per claim. (coverys.com) Cyber Liability and Protection Plus: $100, 000 aggregate included; higher limits optional. (coverys.com) Employer stop-loss: Specific, unlimited; Aggregate, $2, 000, 000. (coverys.com) | N/A | Professional liability: up to $2, 000, 000 per claim / $4, 000, 000 aggregate. General liability (add-on): up to $1, 000, 000 per claim / $3, 000, 000 aggregate. (cmfgroup.com) |
| Claims Support Quality | Robust claims support: integrated hospital, physician defense to present a united front; in-house claims managers averaging 25 years’ experience; partners with top malpractice attorneys/experts; 90% trial win rate and ~80% of claims closed without payment. (medpro.com) | 24/7 claims professionals with immediate claim specialist assignment. (tdcspecialty.com) Nationwide top defense attorneys and expert network; early liability assessment and proactive expense control. (tdcspecialty.com) Will not settle without your consent (where permitted). (thedoctors.com) 94% of defended members would recommend. (thedoctors.com) Includes general liability claims expertise. (tdcg.com) | Dedicated claims team with healthcare/legal expertise; prompt, thorough investigations; proactive litigation management; vetted defense counsel; trial prep and expert-witness access; ADR use; defense verdict track record; REACT program for disclosure/apology; integrated with RiskRx PRO. (coverys.com) | Dedicated healthcare claims support: medical malpractice lawyers and risk advisors provide claims/complaints management, defend civil claims, and assist with regulatory matters (inquests, disciplinary hearings). (global.lockton.com) Lockton emphasizes strong client advocacy and claims consulting to guide providers throughout complex claims. (global.lockton.com) | Claims handled by top-rated carriers (e.g., MedPro, A++/AA+) with strong outcomes: 400k+ claims managed, 90% trial win rate, 80% closed without payment. (cmfgroup.com) Policies include full consent-to-settle, a provided defense attorney, and defense costs outside limits. (cmfgroup.com) CM&F states it stands by clients 24/7/365. (cmfgroup.com) |
| Risk Management Resources | Risk resources include on-site risk assessments, targeted surveys, and policy reviews; risk consultations by phone/email; the online Risk Management Mentor Series; an extensive Prevention & Education Center with manuals, articles, checklists, guidelines, and claims data; plus on‑demand CE courses that may earn premium credits for insured hospitals and staff. (medpro.com) | Risk resources include 24/7 access to claims and patient safety experts; exclusive patient-safety resources and free CME; accredited live and on‑demand courses; guided risk self‑assessment modules; and customized onsite/online education for practices. (thedoctors.com) | RiskRx PRO with deep-dive clinical analytics, expert consultations/assessments, CME/CE education via Med‑IQ, robust resource library, confidential emotional support via REACT, policyholder portals (customer + cyber/regulatory), and a risk management consultation line. (coverys.com) | Risk governance audits and patient complaint systems; legal/regulatory support (direct barrister access; support through inquests/disciplinary hearings); training (human-factors, incident workshops, governance webinars); claims advocacy; loss control/claims management and safety culture assessments; strategic risk and analytics. (global.lockton.com) | Downloadable Groups & Clinics Risk Management Checklist; profession-specific risk checklists; and a Resource/Knowledge Center offering compliance strategies, malpractice-prevention tips, and frequent risk education. Accessible via CM&F’s Resource Center and Knowledge Center. (cmfgroup.com) |
MedPro GroupCompany 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.
Keywords
Description
Founded in 1899, MedPro Group is the original malpractice insurance company in the U.S. and offers comprehensive malpractice insurance across a spectrum of healthcare specialties. It is now part of Berkshire Hathaway.
What They Do
Provides malpractice insurance and risk management solutions for healthcare professionals.
Who They Serve
Healthcare providers including physicians, surgeons, dentists, chiropractors, and hospitals.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
A nationwide medical professional liability program for hospitals and large healthcare facilities, providing coverage for surgical malpractice, employed providers, and other hospital-based services. Built for U.S. hospitals that need high limits, customizable structures, and strong claims support.
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
Find the right coverage
Fill out a few details and we'll take it from there.
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.
Take the next right step
Resources
Supporting Resources
Detailed Comparison
Coverage Limits
Claims Support Quality
Risk Management Resources
Property and General Liability Insurance
The Doctors CompanyCompany 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.
Keywords
Description
The Doctors Company is the largest physician-owned medical malpractice insurer in the United States, offering a comprehensive range of insurance solutions and risk management resources for healthcare professionals.
What They Do
Provide medical malpractice insurance and risk management solutions for healthcare professionals.
Who They Serve
Healthcare professionals including physicians, surgeons, dentists, and healthcare systems.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
An enterprise-grade medical malpractice and hospital professional liability program that covers hospitals and health systems, including surgical malpractice exposure for employed and contracted physicians and surgeons. Designed for U.S. hospitals seeking comprehensive protection, risk management, and claims defense.
Key Features
- Business interruption coverage
- Coverage for medical equipment
- Building or facility protection
- Property damage coverage
- General liability for medical expenses
- General liability for bodily injury
- General liability for personal and advertising injury
Key Benefits
- Customizable property coverage for owned or leased facilities
- Protection for medical equipment and other assets
- Business interruption coverage to help practices survive unexpected events
- General liability protection for events occurring on the premises
- Expert guidance to find the right coverage for your practice
Who Is It For
- Doctors in solo and small group practices
- Large groups and institutional healthcare customers (custom coverage available)
Property Insurance Coverage
Customizable property coverage for owned or leased property, protecting buildings, facilities, medical equipment, and other assets. Includes business interruption coverage.
- Business interruption
- Medical equipment
- Building or facility
- Property damage
General Liability Coverage
Protection against events that occur on your premises, including medical expenses, bodily injury, and personal/advertising injury.
- Medical expenses
- Bodily injury
- Personal and advertising injury
Download Policy Documents
Members or agents/brokers can sign in to download policy documents or pay bills. For policy changes or updates, call Member Services.
Get a Quote
Start your personalized quote by providing information about your role and ZIP code. Option to find an agent.
- Physician or Surgeon
- Dentist
- Advanced Practice Clinician
Resources
Supporting Resources
Detailed Comparison
Claims Support Quality
Risk Management Resources
CoverysCompany Information
Description
Coverys is a leading medical liability insurance company with a 50-year heritage in protecting healthcare professionals. Rated A (Excellent), it offers a wide range of insurance coverage solutions and innovative risk mitigation services.
What They Do
Provide medical liability insurance and risk mitigation services.
Who They Serve
Healthcare professionals and organizations, including physicians, hospitals, and outpatient facilities.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Comprehensive medical professional liability insurance for hospitals, health systems, and outpatient facilities in the U.S., including surgical malpractice for staff and contracted physicians. Offers risk-transfer and risk-sharing options plus analytics and safety programs targeted at surgical and inpatient events.
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
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
Protection against malpractice claims, plus leading-edge analytics and risk mitigation services to help improve patient safety and reduce liability risk.
Employer Stop Loss Solutions
Coverage for self-funded employer healthcare plans – aiding in cost management and customized to your plan's risk tolerance.
Medicare Contractual Risk Protection
For hospitals working with Medicare, our risk protection shields you from unexpected contractual changes that could increase your financial burden.
Provider Excess Loss Insurance
Insurance for healthcare providers that accept financial risk for patient healthcare outcomes, limiting exposure to high claims costs.
A Wide Breadth of Services for Today’s Healthcare
Coverys offers RiskRx PRO—an exclusive integrated suite of services built for policyholders that integrates proactive risk mitigation with powerful claims resolution strategies.
- RiskRx PRO
- Risk Management
- Business Analytics
- Continuing Education
- Emotional Support
- The REACT Program
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
Learn How Coverys Can Contribute to Your Success
Coverage varies by state. Contact a Coverys agent or broker regarding specific coverages and pricing.
Resources
Supporting Resources
Detailed Comparison
Coverage Limits
Claims Support Quality
Risk Management Resources
Insurance Brokerage Services
Lockton CompaniesCompany Information
Description
Lockton is the world’s largest independent insurance brokerage providing customized solutions to meet your organization's risk, benefits and retirement needs.
What They Do
Provides customized insurance solutions to meet risk, benefits, and retirement needs.
Who They Serve
Businesses in various industries including aerospace, telecommunications, and healthcare.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
A brokerage-driven hospital and healthcare insurance practice that designs and places medical malpractice and hospital professional liability programs, including surgical risk, with leading U.S. and global carriers. Suited for medium to large hospitals and health systems that require bespoke program design and access to multiple insurers.
Key Benefits
- Access to a wide range of insurance products and services
- Expertise in local and global insurance markets
- Regional specialization for tailored solutions
- Support for complex and industry-specific risks
Who Is It For
- Businesses of all sizes
- Organizations with global or regional insurance needs
- Industry-specific clients seeking tailored risk solutions
Resources
Detailed Comparison
Claims Support Quality
Risk Management Resources
Group Liability Insurance for Healthcare Businesses & Practices
CM&F GroupCompany Information
CM&F Group provides professional liability insurance for over 200 different healthcare professions, as well as healthcare groups and clinics, with comprehensive and affordable malpractice insurance solutions.
Keywords
Description
CM&F has been protecting healthcare professionals since 1919 with comprehensive, affordable malpractice insurance.
What They Do
Offer professional liability insurance for healthcare professionals and organizations.
Who They Serve
Healthcare professionals, practices, schools, and students.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Professional liability insurance for healthcare groups, clinics, and multi-provider entities, including coverage for surgical services in outpatient or ambulatory settings. Best suited for hospital-affiliated groups, surgery centers, and specialty practices that need group malpractice coverage in the U.S.
Key Features
- Professional liability insurance
- General liability insurance
- Coverage for over 200 healthcare professions
- Coverage for all methods of patient care delivery, including telemedicine/telehealth
- Customizable by profession/specialty
Key Benefits
- Comprehensive liability protection for healthcare businesses and practices
- Coverage for telemedicine/telehealth services within legal scope
- Options for a wide range of healthcare specialties and business types
- Easy application and quote process
Who Is It For
- Healthcare groups
- Medical practices
- Clinics
- Healthcare businesses
- Healthcare schools
- Healthcare staffing agencies
- Practices/businesses with one or multiple providers
Professional Liability Insurance for Healthcare Groups
CM&F Group provides professional liability insurance, as well as general liability insurance, to healthcare groups, businesses, clinics, and medical practices. CM&F’s healthcare group liability insurance includes coverage for all methods of patient care delivery, including telemedicine/telehealth services as long as they are within scope of practice according to relevant laws.
View All Clinic and Group Liability Insurance Coverage Options
Select your profession/specialty below to explore our comprehensive coverage options and apply effortlessly.
- Aesthetic Clinic
- Audiology Group
- Behavioral Health
- Case Management
- Diagnostic & Imaging
- Emergency Services
- Family Practice
- Fitness Group
- Health & Wellness Group
- Health Education
- Healthcare Consulting
- Healthcare School
- Healthcare Staffing
- Home Care Services
- Home Healthcare Agency
- Integrative Health & Holistic Medicine
- IV Hydration
- Massage Therapy Group
- Maternity Care
- Medical Laboratory
- Medical Physicist Group
- Medical Spa
- Mental Health Clinic
- Miscellaneous Healthcare Group
- Mobile Phlebotomy
- Nurse Practitioner (NP) Group
- Nurse Staffing Agency
- Occupational Therapy
- Pediatric Care
- Physical Therapy
- Physician Assistant (PA) Group
- Pilates Studio
- Psychiatric Practice
- Psychology Practice
- Speech Therapy Group
- Sports Medicine Clinic
- Surgical Group
- Urgent Care & Walk-In Clinic
- Yoga Studio
Resources
Supporting Resources
Detailed Comparison
Coverage Limits
Claims Support Quality
Risk Management Resources
Our Ranking Methodology
How we rank these offerings
We ranked these Surgical malpractice coverage for hospitals in USA based on three key factors: Claims Support Quality (40% weight), Coverage Limits (35% weight), and Risk Management Resources (25% weight). Malpractice Insurance scored highest because it offers strong claims support with a 90% trial win rate and extensive risk management resources, along with high coverage limits up to $15 million.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for surgical malpractice coverage for hospitals in the USA?
- Typical costs for surgical malpractice coverage can vary significantly based on the hospital size, location, and claims history. Companies like 'Malpractice Insurance' provide high-limit and customizable structures to tailor cost to coverage needs, whereas 'Insurance Brokerage Services' offer bespoke program designs that may entail negotiated pricing with multiple carriers. It's common for hospitals to engage in a risk-sharing model to manage costs, supported by analytics to assess risk exposure more accurately. Ultimately, pricing models are influenced by the extent of risk management and claims defense included in the policy.
- What key selection criteria should hospitals consider when choosing surgical malpractice coverage?
- Hospitals should prioritize coverage limits, flexibility in policy structures, and robust claims defense. 'Property and General Liability Insurance' offers comprehensive protection and is designed for hospitals seeking extensive risk management. Evaluating the insurer's financial stability and track record in claims support is critical, as evidenced by 'Malpractice Insurance', which provides strong claims backing for surgical malpractice. Furthermore, the ability to customize coverage, as showcased by 'Insurance Brokerage Services', is essential for aligning with specific operational needs.
- What industry standards and compliance issues are relevant for surgical malpractice coverage?
- Compliance with healthcare regulations such as the ACA and state-specific mandates is essential in surgical malpractice coverage. All companies listed, including 'Insurance Coverage Solutions', focus on ensuring policies align with such standards. Hospitals must ensure coverage supports mandated reporting requirements and adheres to guidelines outlined by regulatory agencies like the Joint Commission, which assesses risk management efforts and safety programs in facilities. Insurers can provide resources and support to maintain compliance and mitigate liabilities.
- What are the common implementation challenges, and how can hospitals address them?
- Challenges in implementing surgical malpractice coverage include selecting the right coverage amount and managing premium costs. 'Group Liability Insurance for Healthcare Businesses & Practices' suggests tailored solutions for hospital-affiliated groups to address these challenges through group malpractice coverage options. Additionally, leveraging the expertise of specialized brokers, such as those from 'Insurance Brokerage Services', can streamline the design and placement of suitable programs, ensuring a smoother transition and better alignment with risk management objectives.
- How can hospitals measure ROI and value delivery from their surgical malpractice coverage?
- ROI in surgical malpractice coverage can be assessed by analyzing reductions in claims frequency and payouts, alongside improvements in patient safety. Insurance programs like those from 'Insurance Coverage Solutions' incorporate analytics and safety programs that contribute to reducing malpractice incidents, thereby enhancing value. The financial benefits of coverage are also realized through stabilized premiums over time and reduced legal expenses, indicating a direct return on investment and increased operational efficiencies.
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