Idaho Medical Malpractice Insurance
Compare top-rated insurers and find the best coverage for your practice
Standard Limits
Per Claim / Per Year
Affordability Rank
of 50 states
Average Claim Payout
6th highest state
Damage Caps
Idaho Professional Liability - 2025 Guide
Idaho boasts some of the lowest malpractice insurance premiums in the U.S., supported by its physician-friendly tort system and low population density. Idaho ranks highly in national legal fairness surveys.
Medical Malpractice Insurance Requirements in Idaho
Idaho does not mandate malpractice insurance for physicians. However, many hospitals and healthcare facilities require it for privileges. Policies with limits of $200,000 per claim and $600,000 annual aggregate are common. The first amount is how much your insurance provider will pay per claim, and the second amount indicates your annual limit.
Occurrence vs Claims Made Malpractice Policies in Idaho
Claims-made policies are more commonly purchased in Idaho, though occurrence policies are available.
Coverage applies to incidents that occur during the policy period, regardless of when the claim is filed.
Coverage applies to claims filed during the policy period, requiring tail coverage for future claims.
Leading Medical Malpractice Insurance Companies in Idaho
In addition to the below insurers, DocShield typically provides your practice with quotes from several other highly rated insurers. Ratings provided by AM Best (the leading insurance credit rating agency).
Coverys
MedPro
The Doctors Company
ProAssurance
Malpractice Insurance Cost in Idaho
The data below represent undiscounted premiums. DocShield is often able to save practices 30-50% relative to these rates.
| Medical Specialty | Average Premium | Lowest Premium |
|---|---|---|
| Anesthesiology | 7,100 | 5,075 |
| Cardiovascular Disease - Minor Surgery | 8,200 | 6,649 |
| Dermatology - No Surgery | 4,200 | 2,799 |
| Emergency Medicine | 14,100 | 10,498 |
| Family Practice - No Surgery | 5,900 | 4,024 |
| Gastroenterology - No Surgery | 7,000 | 5,900 |
| General Practice - No Surgery | 5,900 | 4,024 |
| General Surgery | 22,100 | 10,498 |
| Internal Medicine - No Surgery | 6,400 | 4,812 |
| Neurology - No Surgery | 7,900 | 5,949 |
| Obstetrics and Gynecology - Major Surgery | 27,900 | 17,497 |
| Occupational Medicine | 3,400 | 2,400 |
| Ophthalmology - No Surgery | 3,600 | 2,450 |
| Orthopedic Surgery - No Spine | 16,600 | 10,498 |
| Pathology - No Surgery | 4,900 | 3,499 |
| Pediatrics - No Surgery | 5,700 | 4,024 |
| Psychiatry | 3,800 | 2,799 |
| Pulmonary Disease - No Surgery | 8,000 | 5,949 |
| Radiology - Diagnostic | 8,800 | 5,075 |
Working with Medical Malpractice Insurance Brokers in Idaho
A licensed broker can help you navigate the administrative work involved in getting quotes and the nuances of choosing a policy that fits your particular practice. Importantly, brokers work for you, not a single insurer, so they can shop across multiple insurers to find you the most competitive premium for a high quality policy. This is especially important for medical malpractice insurance policies because premiums often vary significantly for the same doctor from one insurer to another.
Buy Affordable Malpractice Insurance with DocShield
We've built the fastest application process in the industry so you don't have to disrupt your schedule to shop for coverage. After you select a policy, we automatically scan the market every year before renewal to ensure you're paying a fair price.
Our platform streamlines all outpatient coverage needs, including excess policies, tail coverage, and group policies. We typically drive 20-30% premium savings for our customers without sacrificing on coverage quality, which translates to hundreds of thousands in savings for specialists over the course of their careers.
Idaho Claims Payouts
Historical trends of medical malpractice claims and payouts in Idaho
Idaho Statute of Limitations
Medical malpractice claims must be filed within two years of the alleged malpractice. Exceptions apply for foreign objects and minors, which can extend the filing deadline.
Tort Reform in Idaho
Idaho's tort reforms include: i) a $250,000 cap on noneconomic damages, adjusted annually for inflation, ii) mandatory pre-litigation screening panels to assess claim merit, iii) caps on punitive damages at $250,000 or three times compensatory damages (whichever is greater), and iv) joint liability reform, where defendants pay only their proportional share of damages unless responsible for more than 50% of the fault.