Pathology malpractice insurance in New York
Typical annual premium at $1M / $3M mature claims-made — 26% below the national median.
Who files these rates in New York
- $6,910 — MLMIC (2016
- $8,610 — EmPRO Insurance Company (eff. 7/1/2025
- $10,172 — AHPIA (2023/24
By region in New York
MLMIC (2016 files territory relativities, so the same pathology premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Remainder of State | ×1.00 | $8,610 |
| Long Island | ×3.56 | $30,652 |
| Bronx & Staten Island | ×3.50 | $30,101 |
| Brooklyn & Queens | ×3.27 | $28,137 |
| Manhattan + Orange/Westchester/Rockland/Sullivan | ×2.39 | $20,561 |
| Hudson Valley | ×1.73 | $14,904 |
| Rochester area | ×0.65 | $5,596 |
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 $8,610?
Enter what you pay now and we'll show where it lands against the filed range for pathology in New York — and connect you with one vetted broker if there's room to do better.
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All specialties in New York
| Specialty | $1M / $3M range |
|---|---|
| Psychiatry | $2,720–$4,003 |
| Ophthalmology | $9,454–$14,514 |
| Occupational Medicine | $7,482–$12,588 |
| Pathology | $6,910–$10,172 |
| Dermatology | $3,103–$5,155 |
| Pediatrics | $6,168–$8,701 |
| Family Medicine | $7,482–$12,588 |
| General Practice | $7,482–$11,013 |
| Internal Medicine | $9,860–$13,730 |
| Gastroenterology | $9,860–$16,268 |
| Neurology | $12,176–$19,076 |
| Pulmonology | $9,860–$14,966 |
| Anesthesiology | $9,567–$14,159 |
| Radiology | $19,186–$29,260 |
| Cardiology | $9,860–$13,730 |
| Emergency Medicine | $18,932–$38,308 |
| Orthopedic Surgery | $34,364–$56,835 |
| General Surgery | $37,556–$63,108 |
| OB/GYN | $50,417–$78,984 |