Orthopedic Surgery malpractice insurance in Florida
Typical annual premium at $1M / $3M mature claims-made — 34% below the national median.
Who files these rates in Florida
- $24,489 — ProAssurance Indemnity Company (eff 4/1/2026)
By region in Florida
ProAssurance Indemnity Company (eff 4/1/2026) files territory relativities, so the same orthopedic surgery premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Remainder of State | ×1.00 | $24,489 |
| Miami-Dade & Broward | ×3.19 | $78,022 |
| Palm Beach County | ×2.45 | $60,072 |
| Treasure/Space Coast | ×2.36 | $57,819 |
| Tampa Bay | ×1.99 | $48,831 |
What drives a Orthopedic Surgery premium
Specialty class
Orthopedic Surgery — orthopedic surgery excluding spine (spine is a separate higher tier).
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 $24,489?
Enter what you pay now and we'll show where it lands against the filed range for orthopedic surgery in Florida — and connect you with one vetted broker if there's room to do better.
We share only your specialty, state, current premium, and this benchmark with one vetted broker. No sales blast.
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 |