Maryland 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
26th highest state
Damage Caps
Maryland Professional Liability - 2025 Guide
Maryland's medical malpractice insurance premiums rank among the highest in the United States. Contributing factors include a historically challenging liability environment and high claims severity. However, the adoption of the Daubert standard in 2020 for expert testimony has improved the reliability of evidence in malpractice cases, aligning Maryland with 40 other states using this standard.
Medical Malpractice Insurance Requirements in Maryland
Maryland does not mandate malpractice insurance for physicians. Nonetheless, many hospitals and healthcare facilities require coverage for privileges. Typical policy limits are $1 million per claim and $3 million annual aggregate. 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 Maryland
Claims-made policies are more commonly purchased in Maryland, 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 Maryland
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).
Med Mutual (Maryland)
MedPro
The Doctors Company
ProAssurance
Malpractice Insurance Cost in Maryland
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 | 20,800 | 9,114 |
| Cardiovascular Disease - Minor Surgery | 25,400 | 11,941 |
| Dermatology - No Surgery | 12,000 | N/A |
| Emergency Medicine | 40,600 | 18,854 |
| Family Practice - No Surgery | 16,000 | 7,227 |
| Gastroenterology - No Surgery | 20,600 | 9,720 |
| General Practice - No Surgery | 17,000 | N/A |
| General Surgery | 62,500 | 18,854 |
| Internal Medicine - No Surgery | 16,600 | 8,642 |
| Neurology - No Surgery | 19,600 | 9,720 |
| Obstetrics and Gynecology - Major Surgery | 116,900 | 76,107 |
| Occupational Medicine | 10,700 | 5,027 |
| Ophthalmology - No Surgery | 11,300 | 4,400 |
| Orthopedic Surgery - No Spine | 53,100 | 18,854 |
| Pathology - No Surgery | 14,700 | 6,285 |
| Pediatrics - No Surgery | 15,900 | 7,227 |
| Psychiatry | 11,300 | 5,027 |
| Pulmonary Disease - No Surgery | 21,900 | 8,737 |
| Radiology - Diagnostic | 23,100 | 9,114 |
Working with Medical Malpractice Insurance Brokers in Maryland
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.
Maryland Claims Payouts
Historical trends of medical malpractice claims and payouts in Maryland
Maryland Statute of Limitations
Maryland requires malpractice claims to be filed within five years of the alleged negligent act or three years from the date of discovery, whichever is earlier.
Tort Reform in Maryland
Maryland's tort reforms include: i) a cap on noneconomic damages, originally set at $500,000 in 1986 and increased annually by $15,000 since 2009 (resulting in a $935,000 cap for 2024, with higher limits for multiple beneficiaries), ii) mandatory arbitration for malpractice claims (though participation can be waived by mutual agreement), iii) a certificate of merit requirement for plaintiffs filed within 90 days of a malpractice claim, and iv) a $40 million rate stabilization fund established in 2004 to mitigate malpractice premium increases.