How much does pathology malpractice insurance cost in Missouri?

The typical mature, claims-made premium at $1M / $3M is $13,126 to $13,989 per year, 17% above the national median. This is a manual-rate benchmark before any account-specific credits or debits.

What is this figure based on?

It comes from Missouri's filed carrier rate manuals (The Doctors Company (Ed. 11/23), Professional Solutions Insurance Company (eff. 1/1/2023)), normalized to $1M/$3M mature claims-made. Pathology is a diagnostic class with no direct patient procedures in the manual.

Why is my quote different from this number?

Manual rates exclude schedule credits, debits, claims history, part-time status, and dividends. A broker comparing carriers can often land you below the benchmark — that is what the match below is for.

Malpractice cost

Pathology malpractice insurance in Missouri

Typical annual premium at $1M / $3M mature claims-made — 17% above the national median.

$13,126 to $13,989

per year · $1M / $3M coverage · mature claims-made

$13,212 (P10)$13,558 median$13,903 (P90)

Based on 2 filed carriers

Coverage $1M / $3MPolicy Claims-madeMaturity MatureRegion Varies by county

Who files these rates in Missouri

$13,126 — Professional Solutions Insurance Company (eff. 1/1/2023)
$13,989 — The Doctors Company (Ed. 11/23)

By region in Missouri

The Doctors Company (Ed. 11/23) files territory relativities, so the same pathology premium swings by county. Applied to the state median:

Territory	Factor	Est. median
Remainder of Missouri	×1.00	$13,558
St. Louis City & County + Jackson Co. / Kansas City	×1.11	$15,063

What drives a Pathology premium

Specialty class

Pathology — a diagnostic class with no direct patient procedures.

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 $13,558?

Enter what you pay now and we'll show where it lands against the filed range for pathology in Missouri — 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 Missouri

Specialty	$1M / $3M range
Psychiatry	$9,931–$10,038
Ophthalmology	$19,303–$21,101
Occupational Medicine	$9,890–$10,038
Pathology	$13,126–$13,989
Dermatology	$10,504–$11,582
Pediatrics	$13,126–$13,245
Family Medicine	$15,442–$16,595
General Practice	$15,442–$16,595
Internal Medicine	$18,531–$19,319
Gastroenterology	$19,303–$28,180
Neurology	$23,164–$29,570
Pulmonology	$18,531–$26,724
Anesthesiology	$19,303–$22,385
Radiology	$19,303–$30,959
Cardiology	$16,325–$18,531
Emergency Medicine	$41,233–$42,467
Orthopedic Surgery	$45,186–$46,328
General Surgery	$56,365–$79,211
OB/GYN	$84,904–$84,934