Orthopedic Surgery malpractice insurance in Texas
Typical annual premium at $1M / $3M mature claims-made — 34% below the national median.
Who files these rates in Texas
- $23,031 — Positive Physicians Insurance Co. (TX Manual eff. 4/1/2026
- $26,090 — The Doctors Company
By region in Texas
The Doctors Company files territory relativities, so the same orthopedic surgery premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Rest of Texas | ×1.00 | $24,560 |
| West Texas / Panhandle | ×0.84 | $20,729 |
| Houston / Gulf Coast / El Paso | ×1.20 | $29,472 |
| Rio Grande Valley / border | ×1.51 | $37,061 |
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 $24,560?
Enter what you pay now and we'll show where it lands against the filed range for orthopedic surgery in Texas — and connect you with one vetted broker if there's room to do better.
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All specialties in Texas
| Specialty | $1M / $3M range |
|---|---|
| Psychiatry | $5,315–$6,019 |
| Ophthalmology | $8,415–$8,718 |
| Occupational Medicine | $4,833–$5,758 |
| Pathology | $7,972–$12,936 |
| Dermatology | $5,315–$8,790 |
| Pediatrics | $7,086–$11,397 |
| Family Medicine | $8,858–$11,979 |
| General Practice | $8,858–$11,979 |
| Internal Medicine | $9,744–$11,397 |
| Gastroenterology | $10,187–$11,580 |
| Neurology | $11,072–$11,397 |
| Pulmonology | $11,072–$11,397 |
| Anesthesiology | $10,187–$14,828 |
| Radiology | $13,287–$14,475 |
| Cardiology | $10,630–$15,888 |
| Emergency Medicine | $22,145–$24,715 |
| Orthopedic Surgery | $23,031–$26,090 |
| General Surgery | $33,007–$34,546 |
| OB/GYN | $36,397–$50,845 |