What physicians pay for coverage, by state, specialty, and policy form, built from 969 filed rate cells across 51 jurisdictions.
Four posts on the filed premium ladder: the national picture, the state ranking, the spread inside a specialty, and the line that pays the most.
What malpractice coverage actually costs, by specialty and state, drawn from real carrier rate filings rather than survey ranges. The national picture, the full ladders, and how to check your own quote.
Malpractice premiums run nearly ten times higher in the most expensive state than the cheapest. The full 2026 ranking of all 51 jurisdictions, from filed carrier rates, and what drives the gap.
The same specialty, doing the same work, can cost eight to fourteen times more depending on the state. The filed rates behind the swing, and what drives it.
OB/GYN is the most expensive specialty to insure, at about $59,392 nationally and ranging from $18k to $155k by state. The filed rates, why obstetrics tops the table, and how to check your own number.
Three posts on the mechanics: which form you are quoted, what the tail costs, and how to read the quote in front of you.
Claims-made and occurrence are the two malpractice policy forms, and the choice shapes both your annual premium and what you owe when you leave. How each works, and why the benchmark uses mature claims-made.
A tail closes the gap a claims-made policy leaves when you go, and it commonly costs about twice your annual premium in one payment. What tail coverage is, what it runs, and how to avoid overpaying.
The number on a malpractice quote means nothing until you read the limits, basis, and territory behind it. How to read a quote and compare it to the filed benchmark for your state and specialty.
How damages caps and state compensation funds show up in what physicians are actually charged.
The 10x swing in malpractice premiums across states is legal, not medical. How non-economic damage caps, patient compensation funds, and the verdict climate shape the filed rates, with the exceptions that prove the rule.