Orthopedic Surgery malpractice insurance in Illinois
Typical annual premium at $1M / $3M mature claims-made — 99% above the national median.
Who files these rates in Illinois
- $60,171 — The Doctors Company (mature CM
- $87,472 — ISMIE Mutual (occurrence
By region in Illinois
ISMIE Mutual (occurrence files territory relativities, so the same orthopedic surgery premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Remainder of Illinois | ×1.00 | $73,822 |
| Madison / Will | ×1.61 | $119,223 |
| Cook / Jackson / St. Clair | ×1.54 | $113,538 |
| Kankakee / Vermilion | ×1.46 | $107,928 |
| Kane / McHenry / Winnebago — Elgin/Rockford | ×1.31 | $96,559 |
| Grundy | ×1.23 | $90,875 |
| Lake + DuPage/Champaign/Macon/DeKalb/LaSalle/Coles/Effingham... | ×1.08 | $79,506 |
| Peoria | ×0.92 | $68,138 |
| Adams / Knox / Rock Island / Sangamon — Quincy/Springfield | ×0.85 | $62,453 |
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 $73,822?
Enter what you pay now and we'll show where it lands against the filed range for orthopedic surgery in Illinois — and connect you with one vetted broker if there's room to do better.
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All specialties in Illinois
| Specialty | $1M / $3M range |
|---|---|
| Psychiatry | $12,152–$20,588 |
| Ophthalmology | $26,904–$31,432 |
| Occupational Medicine | $13,262–$16,972 |
| Pathology | $17,989–$20,588 |
| Dermatology | $12,565–$20,588 |
| Pediatrics | $15,618–$16,972 |
| Family Medicine | $19,994–$36,856 |
| General Practice | $19,994–$33,240 |
| Internal Medicine | $24,127–$38,664 |
| Gastroenterology | $33,215–$51,320 |
| Neurology | $34,284–$56,740 |
| Pulmonology | $33,640–$45,896 |
| Anesthesiology | $26,825–$38,664 |
| Radiology | $39,908–$54,932 |
| Cardiology | $18,348–$36,856 |
| Emergency Medicine | $50,670–$56,740 |
| Orthopedic Surgery | $60,171–$87,472 |
| General Surgery | $98,126–$136,280 |
| OB/GYN | $98,370–$121,816 |