Emergency Medicine malpractice insurance in California
Typical annual premium at $1M / $3M mature claims-made — 48% below the national median.
Who files these rates in California
- $14,217 — MAG Mutual Insurance Company (CA Comprehensive PSL Rate & Rule Manual
- $15,754 — The Doctors Company (Ed. 10/14)
- $17,472 — ISMIE Mutual (eff. 5/1/2021)
By region in California
The Doctors Company (Ed. 10/14) files territory relativities, so the same emergency medicine premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Remainder of California | ×1.00 | $15,754 |
| Riverside / San Bernardino | ×2.17 | $34,218 |
| Kern / Los Angeles / Orange / Ventura — 3-carrier avg | ×1.70 | $26,735 |
| Imperial / San Diego — 3-carrier avg | ×1.38 | $21,693 |
| SF Bay Area / Central Coast | ×0.85 | $13,328 |
What drives a Emergency Medicine premium
Specialty class
Emergency Medicine — emergency medicine, one of the higher medical classes.
Territory
Where you practice; county factors can move the rate well above or below the state figure.
Maturity
Claims-made steps up over ~4 years to the mature rate shown here.
Limits
$1M / $3M is the benchmark; higher limits raise the premium via a filed increased-limit factor.
Paying more than $15,754?
Enter what you pay now and we'll show where it lands against the filed range for emergency medicine in California — and connect you with one vetted broker if there's room to do better.
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All specialties in California
| Specialty | $1M / $3M range |
|---|---|
| Psychiatry | $3,216–$5,170 |
| Ophthalmology | $7,228–$10,339 |
| Occupational Medicine | $2,251–$5,816 |
| Pathology | $5,592–$6,334 |
| Dermatology | $4,501–$5,816 |
| Pediatrics | $5,816–$6,988 |
| Family Medicine | $5,284–$6,462 |
| General Practice | $5,251–$6,462 |
| Internal Medicine | $6,622–$7,755 |
| Gastroenterology | $8,199–$9,047 |
| Neurology | $9,096–$12,924 |
| Pulmonology | $9,034–$11,632 |
| Anesthesiology | $7,698–$9,047 |
| Radiology | $7,755–$9,784 |
| Cardiology | $5,629–$7,755 |
| Emergency Medicine | $14,217–$17,472 |
| Orthopedic Surgery | $15,509–$20,968 |
| General Surgery | $24,223–$37,481 |
| OB/GYN | $29,447–$32,568 |