How much does emergency medicine malpractice insurance cost in Pennsylvania?

The typical mature, claims-made premium at $1M / $3M is $32,842 to $38,056 per year, 13% 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 Pennsylvania's filed carrier rate manuals (Pa. JUA primary + Mcare (statutory $1M/$3M), ProAssurance primary + Mcare, Positive Physicians Insurance Co. primary + Mcare (PA Manual eff. 4/1/2026), normalized to $1M/$3M mature claims-made. Emergency Medicine is emergency medicine, one of the higher medical classes 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

Emergency Medicine malpractice insurance in Pennsylvania

Typical annual premium at $1M / $3M mature claims-made — 13% above the national median.

$32,842 to $38,056

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

$33,142 (P10)$34,341 median$37,313 (P90)

Based on 3 filed carriers

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

Who files these rates in Pennsylvania

$32,842 — Pa. JUA primary + Mcare (statutory $1M/$3M)
$34,341 — ProAssurance primary + Mcare
$38,056 — Positive Physicians Insurance Co. primary + Mcare (PA Manual eff. 4/1/2026

By region in Pennsylvania

Pa. JUA primary + Mcare (statutory $1M/$3M) files territory relativities, so the same emergency medicine premium swings by county. Applied to the state median:

Territory	Factor	Est. median
Rest of Pennsylvania	×1.00	$34,341
Philadelphia	×2.17	$74,417
Allegheny / Pittsburgh area	×1.24	$42,480
Lackawanna	×1.76	$60,337
Delaware · Luzerne · Mercer · Fayette	×1.61	$55,392
Bucks · Chester · Montgomery · Lehigh · Erie	×1.32	$45,296
Blair	×1.54	$52,851

What drives a Emergency Medicine premium

Specialty class

Emergency Medicine — emergency medicine, one of the higher medical classes.

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 $34,341?

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

Specialty	$1M / $3M range
Psychiatry	$5,830–$10,011
Ophthalmology	$14,087–$16,663
Occupational Medicine	$5,830–$10,011
Pathology	$9,898–$13,534
Dermatology	$7,314–$9,006
Pediatrics	$7,314–$12,953
Family Medicine	$14,378–$14,888
General Practice	$14,378–$15,501
Internal Medicine	$14,378–$16,421
Gastroenterology	$21,524–$22,238
Neurology	$21,945–$24,108
Pulmonology	$16,220–$20,823
Anesthesiology	$16,220–$20,171
Radiology	$16,220–$22,050
Cardiology	$19,722–$23,089
Emergency Medicine	$32,842–$38,056
Orthopedic Surgery	$35,123–$42,678
General Surgery	$49,138–$60,824
OB/GYN	$64,786–$82,044