Orthopedic Surgery malpractice insurance in Virginia
Typical annual premium at $1M / $3M mature claims-made — 16% below the national median.
Who files these rates in Virginia
- $29,383 — SVMIC (State Volunteer Mutual
- $33,043 — MAG Mutual Insurance Company (eff. 3/1/2026)
By region in Virginia
MAG Mutual Insurance Company (eff. 3/1/2026) files territory relativities, so the same orthopedic surgery premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Remainder of Virginia | ×1.00 | $31,213 |
| Richmond metro | ×0.91 | $28,279 |
| Tidewater / Hampton Roads | ×1.24 | $38,579 |
| Northern VA / DC suburbs | ×1.33 | $41,513 |
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 $31,213?
Enter what you pay now and we'll show where it lands against the filed range for orthopedic surgery in Virginia — and connect you with one vetted broker if there's room to do better.
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All specialties in Virginia
| Specialty | $1M / $3M range |
|---|---|
| Psychiatry | $7,547–$8,487 |
| Ophthalmology | $12,284–$13,813 |
| Occupational Medicine | $9,369–$10,535 |
| Pathology | $7,547–$8,487 |
| Dermatology | $7,547–$8,487 |
| Pediatrics | $9,369–$10,535 |
| Family Medicine | $9,369–$10,535 |
| General Practice | $9,369–$10,535 |
| Internal Medicine | $9,369–$10,535 |
| Gastroenterology | $13,813–$16,309 |
| Neurology | $14,052–$15,803 |
| Pulmonology | $12,284–$13,813 |
| Anesthesiology | $14,223–$15,995 |
| Radiology | $9,369–$10,535 |
| Cardiology | $12,284–$13,813 |
| Emergency Medicine | $21,007–$23,623 |
| Orthopedic Surgery | $29,383–$33,043 |
| General Surgery | $29,383–$33,043 |
| OB/GYN | $43,743–$49,191 |