Cardiologist Malpractice Insurance

Cardiology is one of the most high-stakes areas of medicine. From diagnostic testing to complex interventional procedures, cardiologists deal with conditions that can change—or end—a patient’s life in moments. Even the most experienced specialist can face unexpected outcomes that lead to legal action. Cardiologist malpractice insurance protects you, your reputation, and your practice from the financial and professional impact of these claims.

Homewood structures coverage that reflects the real scope of cardiology—from non-invasive imaging and preventive care to catheterization, electrophysiology, and device implantation. Whether you practice independently, within a hospital, or as part of a multi-specialty group, we can align your limits, staff coverage, and endorsements for telehealth, wearable technology, and complex procedures.

You'll find the following on this page:

What Insurance Includes – professional and general liability protections tailored for cardiologists.
Cost of Coverage – annual premium ranges and the factors that influence pricing.
Higher-Risk Procedures – which interventions raise premiums or require specialist underwriting.
Why Work With Homewood – how we support cardiologists in a high-severity claims environment.

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for cardiologists is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.

Cardiologist Malpractice Insurance can include:

Option to include general liability insurance alongside your malpractice coverage.
Covers stress testing, catheterizations, and electrophysiology work.
Protection for diagnostic and interventional cardiology procedures.
Defense against medication mismanagement or delayed intervention claims.
Tailored for wearable monitor and remote patient review integration.
Legal defense expenses covered in addition to liability limits (varies by carrier).
Protection for HIPAA-related privacy violation claims (where available).
Limits up to $1 million per claim / $3 million aggregate, with higher options in some states.

Insurance for Cardiologists can include:

Malpractice or liability insurance can provide essential protection against these risks:

Professional Liability (Malpractice Insurance)

Coverage for diagnostic and interventional cardiology, including stress testing, catheterizations, angioplasty, and stent placement.
Legal defense and indemnity for claims involving medication mismanagement, delayed treatment, or diagnostic oversight.
Support for modern technology such as wearable cardiac monitors, remote patient tracking, and telehealth consultations.
Protection against privacy breaches or HIPAA violations relating to digital health records (where included by the carrier).
Legal expenses typically paid in addition to policy limits, so defense costs don’t erode your liability protection.
Coverage limits commonly up to $1 million per claim and $3 million aggregate, with optional tail and prior-acts protection when changing employers or insurers.

General Liability Insurance

Visitor and patient slips, trips, and falls in your office, imaging suite, or clinic.
Damage to a patient’s or hospital’s property caused by you or your staff in the course of services.
Premises liability related to waiting rooms, hallways, restrooms, and parking areas under your control.
Personal and advertising injury, such as allegations of defamation or misleading marketing content.
Medical payments for minor injuries—often paid regardless of fault to help defuse smaller incidents.
Endorsements that cover multiple locations, multi-state licensing, and collaborative hospital privileges.
Liability protection for nurses, physician assistants, and technicians working under your supervision (depending on policy structure).

Together, these policies create a safety net that covers the full range of a cardiologist’s responsibilities—from preventive consultations to complex invasive procedures.

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The Cost of Malpractice Insurance for Cardiologists

Cardiologist malpractice premiums vary depending on your subspecialty, claims history, location, and the types of procedures performed.

Estimated Ranges

Typical Range: Between $15,000 and $20,000 per year for standard limits of $1 million per claim and $3 million aggregate.
High-Cost Areas: In cities such as Manhattan, Chicago, or Miami, premiums can rise to $40,000–$55,000 annually.
Moderate Markets: Around $20,000 in cities like Birmingham, Alabama or Little Rock, Arkansas.
Lower-Cost States: Cities such as Fargo, North Dakota and Charlotte, North Carolina may start at around $15,000.

Some states include additional patient compensation funds (such as Kansas, Indiana, and Louisiana), which can adjust the final cost but also provide extra claim protection.

Key factors that influence premiums:

Subspecialty and procedure mix – interventional cardiology, electrophysiology, and structural heart work are rated higher than non-invasive consultative practice.
Practice setting – office-based only vs. cath lab, hospital-based, or academic roles.
Claims and loss history – frequency, severity, and any paid or reserved claims.
State and venue – local litigation climate, damage caps, and jury tendencies.
Coverage structure – entity vs. individual policies, shared vs. separate limits, and any excess/umbrella layers.
Use of telehealth and multi-state practice – additional endorsements can modestly increase cost.
Risk management programs – documented protocols, CME, and quality initiatives can help secure better rates.

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High-Risk Procedures and their Impact on your Premiums

The procedure categories below often require specialist underwriting, higher limits, or endorsements. Clear documentation, consent, and procedural protocols can help manage both risk and cost:

Procedure Category	Description & Risks	Impact on Premiums
Interventional Catheterization	Includes cardiac catheterization, angioplasty, and stent placement. Risks involve vessel perforation, embolism, bleeding, or delayed treatment of acute coronary syndrome.	Premiums often rise 30–50% over a non-interventional baseline. Carriers may request detailed procedure logs and higher liability limits.
Electrophysiology and Ablation	Covers atrial fibrillation ablation and pacemaker or defibrillator implantation. Complications can include arrhythmia recurrence, device malfunction, or lead dislodgement.	Raises premiums by 25–40%. Device procedures may require specific endorsements or underwriting review.
Valve and Structural Heart Procedures	Transcatheter aortic valve replacement (TAVR) and other valve or structural interventions. Risks include stroke, valve failure, or unrecognized coronary artery disease.	Increases premiums 40–60%. Many carriers require high-limit endorsements or specialist verification.
Vascular and Reoperative Cases	Includes peripheral vascular interventions and repeat operations. Risks involve infection, bleeding, or organ damage, particularly in high-risk patients.	Adds roughly 50% or more to premiums and may classify the physician closer to surgical risk tiers.
Diagnostic and Non-Invasive Testing	Echocardiograms, EKGs, Holter monitoring, and stress tests. Risks come from missed or misinterpreted findings and false negatives.	Baseline rates with only modest increases (10–20%) for high testing volumes or prior claims.

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Other Insurance Cardiologists May Need

Homewood can often combine different different types of coverage into one policy.

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your practice could be legally responsible for.

Professional Liability Insurance

Professional Liability Insurance covers negligence or mistakes made by individual cardiologists during their practice. It differs from General Liability insurance, which covers the practice itself.

Sexual Abuse and Molestation Insurance

Provides coverage for your organization against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization.

Commercial Property Insurance

This protects your practice against damage or loss to buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers’ Compensation Insurance

Workers’ Compensation Insurance is usually mandated by law. It protects cardiologist practices and employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Why Work With Homewood

Specialized cardiology expertise: We place coverage nationwide for non-invasive, interventional, and electrophysiology practices.
Access to over 100 carriers: Admitted and specialty markets ensure competitive pricing, even in high-litigation states.
Policies tailored to your procedures: Language matched to your exact services—stress testing, cath lab work, ablations, and device implants.
Modern practice support: Includes options for telehealth, wearable cardiac monitoring, and multi-state licensing.
Comprehensive protection: We structure policies for both individual physicians and group entities, with shared or separate limits.
Proactive renewal management: We track emerging litigation trends and venue changes to help avoid surprise rate increases.
Simplified quoting and support: Fast turnaround, transparent options, and guidance from brokers who know the cardiology landscape.

Call 947-274-3093 or Fill Out the Form

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Cardiologists at the best price. You can call him or fill out the form and he will get your message directly.