Vermont 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
16th highest state
Damage Caps
Vermont Professional Liability - 2025 Guide
Vermont's medical malpractice insurance market features relatively low premiums and a stable legal environment. The state's certificate of merit requirements and structured pre-litigation process help manage claim frequency and severity.
Medical Malpractice Insurance Requirements in Vermont
Vermont does not mandate malpractice insurance for physicians. However, most hospitals and healthcare facilities require coverage. Common policy limits are $1 million per occurrence and $3 million 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 Vermont
Claims-made policies are more commonly purchased in Vermont, though occurrence policies are available. Claims-made policies typically have lower initial premiums but require tail coverage when terminated.
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 Vermont
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).
MedPro
Coverys
ProAssurance
Controlled Risk
Malpractice Insurance Cost in Vermont
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 | 11,400 | 6,732 |
| Cardiovascular Disease - Minor Surgery | 13,300 | 8,820 |
| Emergency Medicine | 16,700 | 13,926 |
| Family Practice - No Surgery | 7,600 | 5,338 |
| Gastroenterology - No Surgery | 8,400 | 7,892 |
| General Practice - No Surgery | 7,600 | 5,338 |
| General Surgery | 23,100 | 13,926 |
| Internal Medicine - No Surgery | 7,900 | 6,384 |
| Neurology - No Surgery | 9,500 | 7,892 |
| Obstetrics and Gynecology - Major Surgery | 42,600 | 23,211 |
| Occupational Medicine | 4,500 | 3,713 |
| Ophthalmology - No Surgery | 5,200 | 3,250 |
| Orthopedic Surgery - No Spine | 29,200 | 13,926 |
| Pathology - No Surgery | 6,700 | 4,642 |
| Pediatrics - No Surgery | 7,000 | 5,338 |
| Psychiatry | 5,400 | 3,713 |
| Pulmonary Disease - No Surgery | 8,600 | 6,985 |
| Radiology - Diagnostic | 8,800 | 6,732 |
Working with Medical Malpractice Insurance Brokers in Vermont
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.
Vermont Claims Payouts
Historical trends of medical malpractice claims and payouts in Vermont
Vermont Statute of Limitations
Vermont requires medical malpractice claims to be filed within three years of the incident or two years from when the injury was discovered, whichever occurs later. For minors, claims must be filed within seven years of the incident or until age 21, whichever occurs later.
Tort Reform in Vermont
Vermont's tort reforms include: i) certificate of merit requirements from qualified medical experts, ii) mandatory pre-litigation mediation for all malpractice claims, iii) modified joint and several liability rules, and iv) collateral source reform allowing evidence of payments from other sources.