Washington DC Medical Malpractice Insurance

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 By Specialty (Top 20)

Rates depend greatly on specialty. Physicians offering high-risk care, such as surgeons, have higher rates than doctors in lower-risk areas. Prices will vary, though, based on your claim history and location in addition to your specialty. Always talk to an insurance expert to get a more specific quote for your malpractice insurance.

Below are undiscounted state filed rate data averages across all territories for 1,000,000/3,000,000 limits.

Specialty Average Rate Lowest Rate Greatest Rate Count
Internal Medicine No Surgery $21,192 $12,669 $26,086 662
Psychiatry $12,762 $7,369 $16,552 391
Pediatrics No Surgery $19,336 $10,594 $24,010 326
Occupational Medicine $12,762 $7,369 $16,552 229
Emergency Medicine $49,538 $27,638 $64,495 218
Family Practice No Surgery $19,336 $10,594 $24,010 209
Anesthesiology $25,377 $13,360 $32,828 191
Radiology - Diagnostic $27,018 $13,360 $32,828 179
Obstetrics and Gynecology Major Surgery $131,982 $106,444 $172,548 161
General Surgery $70,903 $27,638 $87,236 137
Neurology No Surgery $24,696 $15,663 $32,828 122
Cardiovascular Disease Minor Surgery $32,951 $17,504 $43,591 120
Ophthalmology No Surgery $13,967 $6,450 $20,066 108
Gastroenterology No Surgery $24,696 $15,663 $32,828 95
Pathology No Surgery $17,293 $9,213 $20,275 78
Nephrology No Surgery $20,707 $10,594 $28,293 72
Endocrinology No Surgery $16,439 $9,213 $28,293 69
Pulmonary Disease No Surgery $28,795 $15,663 $37,666 66
Dermatology No Surgery $13,598 $7,369 $19,063 63
Critical Care $28,385 $28,385 $28,385 61

* 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 20 specialties in District of Columbia.

District of Columbia medical malpratice premium by specialty 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
Get a Quote & SAVE

Premium savings is just one click away! Complete this form to receive your FREE, NO OBLIGATION medical malpractice insurance quote. You can also call us at 800.634.9513 and ask to speak to a salesperson.

home / state-resources / washington-dc-medical-malpractice-insurance