Malpractice Insurance Florida

Your Florida practice deserves protection from a partner who understands local healthcare risks and regulations.
• Deep understanding of Florida's unique medical liability landscape
• Expert knowledge of state-specific healthcare laws and regulations
• Customized coverage for Florida's diverse medical specialties
We go beyond basic malpractice coverage with premium risk management services. Our enhanced coverage options include quarterly risk assessments, specialized endorsements for cutting-edge medical procedures, and telemedicine liability protection. This proactive approach helps prevent claims while ensuring complete protection for Florida's healthcare providers.
• Physicians & Surgeons: All medical doctors require robust malpractice insurance to protect against patient claims, especially in high-risk specialties like obstetrics and neurosurgery.
• Nurses & Nurse Practitioners: With expanding roles in patient care, nurses need comprehensive coverage against negligence claims and scope of practice disputes.
• Dentists & Dental Specialists: Florida's dental professionals require protection against treatment complications, misdiagnosis claims, and patient dissatisfaction.
• Allied Health Professionals: Physical therapists, chiropractors, and other allied health providers need tailored coverage for their unique practice risks.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Florida healthcare providers, addressing regional risks and regulatory requirements.

On average, malpractice insurance costs around $30,000 annually for Florida physicians; however, individual premiums vary based on several factors:
High-risk specialties like neurosurgery or obstetrics face significantly higher premiums compared to lower-risk fields like family medicine.
Premiums vary across Florida, with South Florida typically seeing higher rates due to increased litigation risks.
A history of previous malpractice claims can substantially increase premiums; maintaining a clean record is crucial.
Higher coverage limits generally lead to increased costs; tailoring limits based on risk assessment can optimize expenses.
Larger practices or those with high patient volumes typically face higher premiums due to increased exposure.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
In Florida, various healthcare professionals require malpractice insurance, including physicians, surgeons, dentists, nurses, chiropractors, and psychologists. Florida law mandates that physicians carry at least $100,000 per claim and $300,000 annual aggregate coverage. Other professionals, while not legally required, often carry coverage due to high litigation risks in the state. Florida's unique healthcare landscape, with a large elderly population, makes malpractice insurance crucial across all medical specialties.
Florida's statute of limitations for medical malpractice claims is generally two years from the date the incident is discovered or should have been discovered. However, there's a four-year statute of repose, except in cases involving minors. This timeframe impacts how long insurers must maintain reserves and affects premium calculations. Florida's 'discovery rule' can extend the filing period, making long-term coverage crucial for healthcare providers in the state.
Florida malpractice policies often include specific provisions for the state's high-risk medical environment. Many insurers offer 'tail coverage' to protect against claims made after a policy ends, crucial in Florida's litigious climate. Some policies include coverage for regulatory proceedings with the Florida Board of Medicine. Florida-specific endorsements may cover hurricane-related issues, telemedicine (increasingly important in the state), and specific high-risk procedures common in Florida's cosmetic surgery industry.
Florida's tort reform efforts have had a significant impact on malpractice insurance rates. The state's cap on non-economic damages was struck down in 2017, potentially leading to higher premiums. However, other reforms remain, such as the pre-suit investigation requirement and expert witness standards. These measures help control costs to some extent. Florida's medical malpractice rates remain among the highest nationally, reflecting the state's complex legal environment and high claim frequency.
Several factors impact malpractice insurance premiums in Florida. These include the provider's specialty (with higher-risk specialties like neurosurgery facing steeper rates), claims history, location within Florida (South Florida typically sees higher rates), years in practice, and hours worked. The specific procedures performed also matter; for instance, cosmetic surgeons in Miami may face higher premiums. Additionally, participation in risk management programs can sometimes lower rates for Florida providers.
Florida's Patient's Compensation Fund, while currently inactive, previously provided excess malpractice coverage for healthcare providers. When active, it allowed providers to purchase lower primary coverage limits, with the fund covering excess amounts. Although inactive since 2016, discussions about reactivating or reforming the fund continue, as it could potentially help manage malpractice costs in Florida. Providers should stay informed about potential changes that could impact their insurance needs and costs.
Start Your Coverage Today
Request a Free Quote
For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.