Medical Specialties Malpractice Insurance

Indigo makes medical malpractice insurance available to the vast majority of physicians regardless of specialty. However, medical specialization tends to have an effect on the cost of malpractice insurance.

For more information, please see our blog concerning malpractice insurance cost by specialty.
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Indigo Covers Physicians Regardless of Specialty

Click the links below for information about how Indigo supports physicians specializing in the following areas.

Please note, Indigo does not disqualify clientele based on specialty. If your specialty is not listed below, it does not mean Indigo cannot insure you.

Medical Specialties:

Allergology/Immunology: Compared to other specialties, the allergist malpractice insurance cost is lower, as only 7.1% are sued during their careers. The specialty tends to feature low-risk, non-invasive procedures, which contribute to lower legal exposure.

Anesthesiology: The anesthesiologist malpractice insurance cost is moderately high, with 45% of anesthesiologists experiencing a claim. Their key surgical role during procedures increases their vulnerability to claims when severe complications are involved.

Dermatology: The dermatology malpractice insurance cost remains relatively low compared to other specialties. Dermatological treatment tends to be both proactive and low-risk in nature,  keeping litigation rates to a minimum.

Endocrinology: The endocrinology malpractice insurance cost is relatively low: only 8.6% of endocrinologists experience claims throughout their careers. Management of chronic conditions, work typical of endocrinological practice, involves fewer high-risk procedures.

Family Medicine: Only 32% of family physicians typically see a claim, meaning the family medicine malpractice insurance cost is moderate. With a wider scope of practice than other specialties, diagnostic errors or failure to refer patients for additional specialty care can increase claim likelihood.

Gastroenterology: A claim frequency of 27% drives the gastroenterologist malpractice insurance cost is higher than most other specialties. This is due to invasive procedures like colonoscopies, which contribute to increased risk.

General Surgery: The surgeon malpractice insurance cost is among the most costly: approximately 59% of surgeons face a lawsuit during the course of their career. Surgeries tend to be complex and high-risk, both of which drive a higher frequency of claims than is the case for other specialties.

Hematology: The hematology malpractice insurance cost tends to be lower than average, with an annual claim frequency of under 2%. The lower-risk nature of treating blood disorders accounts for this difference.

Neurology: Because 55% of neurosurgeons face claims in their careers, the neurosurgeon malpractice insurance cost is very high. In contrast, because only about 2% of general neurologists experience claims their insurance costs tend to be more moderate, a reflection of the fact they undertake fewer high-risk procedures.

Nuclear Medicine: Both nuclear medicine malpractice insurance cost and the cost of nuclear radiologist malpractice insurance reflect higher than average risk. Failure to diagnose or treat anaphylaxis caused by administering a contrast agent administration is the most common complication.

Pathology: Pathology malpractice insurance tends to be less expensive than that of other specialties because of a claim frequency of only 2%. That most lawsuits stem from diagnostic errors, rather than direct interaction with a patient, accounts for this.

Physiatry: Physiatry malpractice insurance costs moderately more, with claim rates of around 10.9%. Failure to diagnose and improper management of rehabilitation are common causes of this cost.

Preventative Medicine: The cost of preventative medicine malpractice insurance, with a claim frequency of only around 1%, tends to be quite low. Specialists in this field tend to focus on disease prevention, rather than high-risk interventions.

Pulmonary Medicine: Pulmonology malpractice insurance is moderately expensive because of the focus on treating complex conditions. This includes conditions such as chronic obstructive pulmonary disease (COPD) and respiratory infections like COVID-19.

Radiology: Often because of diagnostic errors in imaging, such as missed and mistaken diagnoses, radiologist malpractice insurance cost reflects a claim frequency of about 4%.

Rheumatology: Rheumatologist malpractice insurance cost is low, with an approximately 2% annual claim rate. Rheumatological practice involves applying minimally invasive procedures to the management of chronic forms of arthritis.
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FAQs

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How fast can I get malpractice insurance?

The time it takes to get medical malpractice insurance can vary depending on your circumstances, including your specialty and the specific coverage you need. Indigo leverages the power of artificial intelligence to speed up the process. Our rapid process allows you to get the coverage you need quickly, without a traditional application.

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What states are covered by your malpractice insurance?

Indigo provides coverage for physicians across the United States. However, since insurance is regulated on the state level, coverage may not be available in all states. 

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Should I get claims-made or occurrence coverage?

Most medical malpractice policies are claims-made. Claims-made policies are popular because they tend to have lower initial premiums than occurrence coverage. If you’re concerned about claims that arise after the policy expires, you can buy an extended reporting period endorsement (commonly known as “tail coverage”).

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To learn more about how Indigo can support rheumatologists, or to request your quote, fill out a brief submission form or email us today at sales@getindigo.com.