Malpractice Insurance for OB/GYNs

Obstetricians and gynecologists care for patients through pregnancy, labor and delivery, surgery, and ongoing reproductive health. Because outcomes can be life-altering for both parent and baby, OB/GYN practices face some of the highest malpractice exposure in healthcare.

Homewood Insurance helps OB/GYNs secure coverage that fits how you practice—OB only, GYN only, or full-spectrum care—in clinics, hospitals, and surgical settings.

This page explains:

What Insurance Includes – a clear breakdown of malpractice and general liability protections for OB/GYN practices.
Cost of Coverage – realistic premium ranges and the main factors that influence price.
Higher-Risk Procedures – services that elevate premiums or may need endorsements.
Why Work With Homewood – how we help OB/GYNs get the right protection at a fair price.

Get a Free Quote Now

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

Homewood sources insurance from a number of different insurance providers, to ensure you have the most suitable coverage at the best price.

Malpractice Insurance for OB/GYNs can include:

Covers malpractice claims tied to prenatal care, labor and delivery, gynecologic surgery, and reproductive health.
Protection for complications from cesarean sections, high-risk pregnancies, and delayed diagnosis of fetal or maternal conditions.
Includes claims involving obstetric emergencies, birth injuries, and postpartum care.
Applies to OB-only, GYN-only, and full-spectrum practices in office and hospital settings.
Policy limits commonly available up to $1,000,000 per claim / $3,000,000 aggregate, with prior-acts and tail options.

Insurance for OB GYNs can include:

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

Professional Liability (Malpractice)

Covers prenatal, intrapartum, and postpartum care; fetal monitoring; management of high-risk pregnancies; and VBAC (vaginal birth after cesarean) where permitted.
Legal defense for surgical complications from cesarean sections, hysterectomies, dilation and curettage, laparoscopic and other gynecologic procedures.
Protection for alleged mismanagement of labor (for example, shoulder dystocia, delayed cesarean, failure to respond to fetal distress).
Includes family planning services, elective abortion where permitted by law, and infertility evaluations (endorsements may apply).
Entity coverage available for solo physicians and groups; options to include supervision of midwives or advanced practice clinicians.
Flexible endorsements for multi-state licensure, hospital affiliations, and shared or separate limits.

General Liability

Premises incidents at clinics or birth suites (visitor slips and falls, trip hazards, waiting-room injuries).
Property damage to others (equipment or tenant improvements causing damage in leased space).
New-parent and visitor areas (crowded lobbies, nursery-adjacent corridors, car-seat checks and classes).
Events and education (childbirth classes, lactation groups, community outreach).
Personal and advertising injury (claims of defamation or misleading advertising).
Medical payments for minor on-site injuries, regardless of fault.

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How much does OB GYN malpractice insurance cost?

Premiums are influenced by specialty mix, litigation environment, facility size, and claims history. Carriers also evaluate risk management protocols such as credentialing, peer review, and informed consent.

Professional Liability (malpractice) — typical annual ranges (facility/physician policy)

Lower-cost states and GYN-only practices: $35,000 – $60,000
Mixed OB/GYN in medium-risk markets: $60,000 – $100,000
High-risk metro areas with full obstetrics: $100,000 – $200,000+

Notes on how pricing works

Premiums vary by state, claims history, procedure mix (OB vs. GYN-only), delivery volume, and hospital privileges.
Many policies are claims-made (lower first-year price; tail needed when you switch or retire). Occurrence is available in some markets (higher up front; no tail).
OB is the main driver of cost. Moving from full OB/GYN to GYN-only can reduce premiums significantly.
Separate entity coverage may be required for group practices and for those supervising midwives or extenders.

General Liability (practice) — typical annual ranges:

Small office: $1,000 – $3,000
Multi-provider clinic or multi-suite location: $3,000 – $7,500+

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High-Risk Procedures and their Impact on your Premiums

Some services draw heavy scrutiny from carriers and can raise premiums or require endorsements. Strong documentation, informed consent, simulation training, and clear transfer/escalation protocols help control cost:

Procedure / Exposure	Why It’s Higher Risk	Controls Required	Insurance Impact
Labor and delivery (including VBAC)	Birth injury severity; time-critical decisions	Real-time monitoring, rapid-response C-section, team drills	+20–50% over GYN-only; some markets require endorsements
High-risk pregnancy management	Maternal/fetal complications; diagnostic/procedural risks	Specialist co-management, consult documentation, escalation triggers	Material surcharge tied to case mix and outcomes
Gynecologic surgery (open, laparoscopic, robotic)	Bleeding, organ injury, retained objects	Time-outs, instrument counts, credentialing, postoperative follow-up	Higher rates in litigious states; prior surgery claims drive load
Family planning and abortion (where permitted)	Legal environment variability; patient-injury and consent disputes	Strict legal compliance, informed consent, facility standards	Surcharges or exclusions in some states; endorsements may apply
Cosmetic gynecologic procedures	Outcome dissatisfaction; off-label techniques	Enhanced consent with photo documentation; credentialing	May require separate rider; premium increase common

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Other Insurance OB/GYNs Often Carry

General Liability Insurance

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

Professional Liability Insurance

Also known as malpractice insurance, this protects facilities against claims related to malpractice, negligence, or injury resulting from patient care.

Sexual Abuse and Molestation Insurance

Provides coverage 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 from risks such as fire, theft, or vandalism.

Workers’ Compensation Insurance

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

Cyber Liability Insurance

Covers financial losses associated with data breaches, cyber attacks, and other cyber incidents.

Why Work With Homewood

Policies matched to how you practice—OB only, GYN only, or full-spectrum care.
Access to nearly 100 insurance carriers, including markets that understand obstetrics risk.
Guidance on claims-made vs. occurrence, prior-acts and tail, and setting separate entity limits for groups.
Help aligning informed consent, escalation, and simulation training with what carriers expect.
Clear, client-friendly explanations so you know exactly what is—and isn’t—covered.

Call 947-274-3093 or Fill Out the Form

Ralph Schiller

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

Call 947-274-3093 or email submissions@homewood.insure.