The medical malpractice insurance market in the District of Columbia is one of the most unstable in the entire country. There has been no tort reform passed by the legislature to curb medical liability claims and/or payouts. DC physicians and surgeons are facing rising medical malpractice insurance premiums on an almost annual basis with no relief in sight. High-risk surgical providers, like OB/GYNs and Neurosurgeons, are either leaving their DC practices altogether or planning to stop providing high-risk procedures in the District to seek the more friendly legal environments located in Maryland or Virginia. Another factor contributing to the high premiums in the District is the lack of competition among medical malpractice insurance companies. There are only four standard-admitted physician insurers actively writing new policies in the District of Columbia and one of these three just entered the market within the last twelve months. The market is heavily dominated by one carrier controlling approximately 43% market share—ProAssurance via an acquisition of National Capital Insurance Company (NCRIC) in 2005. We are anticipating some downward pressure on rates as these insurance companies compete in order to grab as much market share as possible over the next few years. At least with regard to the traditional, standard-admitted malpractice insurance companies and some alternative insurance carriers DC physicians and surgeons can expect the following policy features to be included in their coverage:

  • Claims-made or Occurrence policy forms
  • Full physician consent-to-settle clause
  • Defense Costs outside of the liability limits
  • AM Best Ratings of A- or better
  • Free tail on claims-made policies for death, disability, and retirement
  • Complementary regulatory coverage including HIPAA/HITECH Violation Defense, Administrative Action Defense, Billing Errors & Omissions, and Cyber Liability

Major Malpractice Insurance Companies

  • ProAssurance Indemnity
  • The Doctors Company
  • Medical Protective
  • Capson Physicians Insurance Company

District of Columbia Medical Malpractice Insurance Rates - Top 15 Specialties

Undiscounted State Filed Rate Data averages across all territories for $1m / $3m limits

SpecialtyAverage RateMin RateMax RateCount
Internal Medicine No Surgery$21,618$12,669$27,467689
Psychiatry$13,430$7,369$16,552398
Pediatrics No Surgery$19,496$10,594$24,010357
Family Practice No Surgery$20,595$10,594$27,467234
Emergency Medicine$52,056$27,638$64,495203
Occupational Medicine$13,430$7,369$16,552201
Anesthesiology$26,161$13,360$36,586195
Radiology - Diagnostic$26,450$13,360$32,960172
Obstetrics and Gynecology Major Surgery$117,238$97,451$147,595172
General Surgery$65,515$27,638$85,946149
Neurology No Surgery$23,519$15,663$27,467132
Cardiovascular Disease Minor Surgery$32,425$17,504$43,591130
Ophthalmology No Surgery$13,672$6,450$18,683105
Gastroenterology No Surgery$23,519$15,663$27,46799
Pathology No Surgery$18,715$9,213$27,46785
* Please note that the above rates are state filed rates. It is not uncommon for Gallagher Healthcare clients to receive up to 50% or more in discounts from state filed rates. Please Request a Quote to receive a custom premium indication.

Rate Range by Specialty

This chart compares the range of possible state filed medical malpractice premium rates by admitted markets and a few Gallagher Select markets broken out by the top 15 specialties in District of Columbia.

District of Columbia Medical Malpractice Rate Range Chart

USA Ranking Map

The map below provides a visual display of the nation and compares what a typical primary care physician might pay compared to each individual state and county. This research is based on the average rate for a single specialty, the most common limits in that state, and the mature claims made premium. The darker the blue, the higher the average premium, see how District of Columbia compares to other states.

Malpractice Rate Heat Map - United States