A single malpractice suit can cost a physician or health care institution their reputation. Medical malpractice insurance policies protect against costly claims and lawsuits. Discover the top-rated malpractice insurance providers for hospitals in 2025 that protect institutions from financial losses.

What Does Medical Malpractice Insurance Cover?

A malpractice insurance policy covers health care professionals and institutions against medical negligence and injury claims. It can also protect a lawyer if a case goes to court.

Most medical malpractice policies cover the following:

• Legal fees
• Settlement costs
• Misdiagnoses
• Unnecessary surgery
• Care-related injuries
• Premature discharge from a clinic
• Medical damages
• Punitive and compensatory damages

Coverage details will depend on the provider and particular policy.

Methodology: Comparing Medical Malpractice Insurance Providers

Medical malpractice insurance cost depends on several factors, such as the medical institution’s professional specialty, geographic location and previous claims. Providing an insurance provider with these details can help them deliver an accurate quote for full transparency on medical malpractice insurance costs.

Along with taking into account the specificities of the practitioner or institution seeking coverage, consider these additional factors to find out where to buy affordable medical malpractice insurance.

• Coverage options: Providers offer two different policy types — claims-made and occurrence-made. Some providers offer both types, while others specialize in one. Claims-made policies cover incidents if the insurance company that was active at the time of the alleged occurrence is still active when the case is reported. Occurence-made policies cover events that allegedly occurred during the policy period, regardless of when the claim is filed.
• Industry reputation: Check industry ratings and reviews from other medical professionals to evaluate a firm’s fiscal strength and capacity to pay out claims.
• Overall value: Cost is an essential consideration, but it shouldn’t be the sole deciding factor. Focus on the overall value the policy provides. Compare premiums, deductibles, discounts, incentives, coverage limits and hidden costs.

What Are the Most Affordable Malpractice Insurance Providers in the United States?

Here are the most affordable malpractice insurance solutions for medical groups in the United States.

Explore a more in-depth discussion of each company.

1.    Gallagher Healthcare

One of the top-rated malpractice insurance providers for hospitals in the United States, Gallagher Healthcare is dedicated to offering stable, long-term, viable coverage. The company also provides risk management consultations to identify, manage and understand risks related to a clinic’s daily operations. Gallagher Healthcare can provide excellent malpractice insurance for a variety of clients — from solo practitioners to large groups of doctors.

Key features:

• Experience working with over 60,000 physicians in the U.S.
• Experience managing $700 million in policyholder premiums
• 98% renewal rate
• Coverage for unique requests, like locums, multi-state coverage and telemedicine
• Vast network of insurance carriers

2.    MedPro Group

A Berkshire Hathaway-owned company, MedPro Group is popular for its fiscal strength and prudent investing. It has been in the industry since 1899, making it the oldest and largest malpractice insurance provider in the U.S. Its unique insurance plans include claims-made and occurrence-made policies. MedPro Group caters to various medical facilities like hospitals, imaging centers, ambulatory surgicenters, blood banks and cancer care centers.

Key features:

• Over $2 billion in annual premiums
• More than 300,000 clients
• Claims team with an average of 25 years of experience
• Coverage in all 50 states

3.    Admiral Insurance Company

A mainstay of the commercial insurance industry since 1974, Admiral Insurance Group is a W.R. Berkley Corporation member and one of the country’s premier insurance providers. It offers one of the most comprehensive medical malpractice insurance policies for clinical trials, ambulatory surgery centers, medical spas and telehealth networks. The Admiral Insurance Group’s coverage capabilities include locum tenens and admin defense. With primary coverage amounting to $5 million per claim, Admiral Insurance Group protects against a wide range of potential incidents.

Key features:

• Over $2 billion in annual premiums
• Risk management services
• 2024 5-Star Excellence awardee for its work in professional liability

4.    Coverys

A top-rated risk management consultant for healthcare organizations, Coverys also offers medical malpractice insurance policies. It’s an ideal choice for institutions that require proactive mitigation strategies and protection against lawsuits and malpractice claims. The company is driven by its commitment to helping health care professionals navigate the increasingly perilous medical landscape. It has an A (Excellent) rating from AM Best and covers various practices and institutions.

Key features:

• Risk education programs to reduce liability risk
• Experience insuring approximately 50,000 health care workers and 1,000 institutions
• Employer stop loss and provider excess loss coverage

5.    Tivly

For affordable medical malpractice insurance, consider Tivly and its comprehensive business and personal insurance policies. Tivly protects against potential lawsuits and allows clients to choose between occurrence-made and claims-made policies depending on their needs. The company also offers employment practices liability and workers’ compensation insurance — a requirement in some states.

Key features:

• Affordable premiums
• Excellent customer service, with a 15-second phone answer rate
• A network of over 200 insurance providers

6.    The Doctors Company

One of the most renowned malpractice insurance providers in the U.S., The Doctors Company offers risk management resources, excellent customer service and risk assessments to health care providers and institutions. The company has over 40 years of experience in protecting hospitals and managed care organizations from liability risk. Customizable coverage, alternative risk solutions and collaborative performance improvement training are some of the many benefits of working with The Doctors Company.

Key features:

• Proactive risk management resources and assessments
• 24/7 claims support in more than a dozen regional areas
• A financial strength rating of A (Excellent) from AM Best

Choose the Right Malpractice Insurance Provider

A malpractice insurance policy is essential for the successful operation of small and large medical institutions — and everything in between. Getting medical malpractice coverage from the right provider allows hospitals and healthcare practitioners to focus on service and patient outcomes.