Nevada 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
38th highest state
Damage Caps
Nevada Professional Liability - 2025 Guide
Nevada's medical malpractice insurance market has faced significant instability over the years, with several insurers exiting the state, particularly before tort reforms in the early 2000s. The reforms helped stabilize the market, but challenges remain due to Nevada's historically litigious environment.
Medical Malpractice Insurance Requirements in Nevada
Nevada does not require physicians to carry malpractice insurance. However, many healthcare facilities mandate coverage as a condition for privileges. Physicians commonly purchase policies with limits of $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 Nevada
Claims-made policies are more commonly purchased in Nevada, 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 Nevada
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).
ProAssurance
MedPro
MagMutual
Nevada Mutual
Malpractice Insurance Cost in Nevada
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 | 16,500 | 8,429 |
| Cardiovascular Disease - Minor Surgery | 16,700 | 9,189 |
| Dermatology - No Surgery | 8,700 | 4,684 |
| Emergency Medicine | 32,800 | 14,089 |
| Family Practice - No Surgery | 13,100 | 6,126 |
| Gastroenterology - No Surgery | 13,700 | 6,126 |
| General Practice - No Surgery | 13,100 | 6,126 |
| General Surgery | 52,300 | 17,569 |
| Internal Medicine - No Surgery | 12,500 | 6,126 |
| Neurology - No Surgery | 15,400 | 6,126 |
| Obstetrics and Gynecology - Major Surgery | 73,700 | 34,682 |
| Occupational Medicine | 9,600 | 4,357 |
| Ophthalmology - No Surgery | 8,800 | 4,100 |
| Orthopedic Surgery - No Spine | 44,000 | 17,569 |
| Pathology - No Surgery | 9,300 | 4,901 |
| Pediatrics - No Surgery | 12,600 | 6,126 |
| Psychiatry | 8,400 | 4,220 |
| Pulmonary Disease - No Surgery | 14,200 | 6,126 |
| Radiology - Diagnostic | 19,800 | 6,126 |
Working with Medical Malpractice Insurance Brokers in Nevada
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.
Nevada Claims Payouts
Historical trends of medical malpractice claims and payouts in Nevada
Nevada Statute of Limitations
The statute of limitations for medical malpractice claims in Nevada is three years from the date of the alleged injury or one year from the date the injury was or should have been discovered. For cases involving minors, the statute may extend to their tenth birthday.
Tort Reform in Nevada
Nevada's tort reforms include: i) a $350,000 cap on noneconomic damages with no exceptions after the 2004 'Keep Our Doctors in Nevada' initiative, ii) joint and several liability reform limiting defendants' liability to their proportionate share of fault, iii) collateral source reform allowing evidence of compensation from other sources to reduce damages awarded, and iv) limits on attorney fees plus the use of periodic payments for future damages.