Ophthalmology malpractice insurance in Florida
Typical annual premium at $1M / $3M mature claims-made — 15% below the national median.
Who files these rates in Florida
- $11,625 — ProAssurance Indemnity Company (eff 4/1/2026)
By region in Florida
ProAssurance Indemnity Company (eff 4/1/2026) files territory relativities, so the same ophthalmology premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Remainder of State | ×1.00 | $11,625 |
| Miami-Dade & Broward | ×3.19 | $37,037 |
| Palm Beach County | ×2.45 | $28,516 |
| Treasure/Space Coast | ×2.36 | $27,447 |
| Tampa Bay | ×1.99 | $23,180 |
What drives a Ophthalmology premium
Specialty class
Ophthalmology — an operating class rated for cataract and other intraocular surgery.
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 $11,625?
Enter what you pay now and we'll show where it lands against the filed range for ophthalmology in Florida — and connect you with one vetted broker if there's room to do better.
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All specialties in Florida
| Specialty | $1M / $3M range |
|---|---|
| Psychiatry | $5,885 |
| Ophthalmology | $11,625 |
| Occupational Medicine | $5,885 |
| Pathology | $5,885 |
| Dermatology | $8,656 |
| Pediatrics | $8,656 |
| Family Medicine | $8,656 |
| General Practice | $8,656 |
| Internal Medicine | $9,645 |
| Gastroenterology | $10,635 |
| Neurology | $12,614 |
| Pulmonology | $11,625 |
| Anesthesiology | $10,635 |
| Radiology | $11,625 |
| Cardiology | $8,656 |
| Emergency Medicine | $18,552 |
| Orthopedic Surgery | $24,489 |
| General Surgery | $30,427 |
| OB/GYN | $40,322 |