Insurance for Physician Groups - Get a Quote

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Physician groups face complex liability exposures that extend beyond individual providers. Whether operating as a multi-specialty network, a hospital-affiliated practice, or a private outpatient group, these organizations must protect against claims that can arise from diagnostic errors, surgical complications, or systemic operational issues.

Homewood Insurance provides tailored malpractice and liability coverage designed for physician groups, ensuring both entity-level and individual protection.

On this page, you’ll find the following:

What Insurance Includes – coverage overview for physicians, extenders, and group entities.
Cost of Coverage – typical premiums and key pricing factors.
High-Risk Procedures & Specialties – activities that significantly affect premiums or coverage eligibility.
Why Work With Homewood – our expertise in insuring medical groups nationwide.

Insurance for physician groups can include:

Covers individual and entity-level malpractice claims for employed or contracted physicians.
Protection for diagnostic errors, surgical complications, and treatment-related allegations.
Includes shared or separate limits for physicians, extenders, and support staff.
Applies to multi-specialty groups, single-specialty practices, and hospital-affiliated teams.
Limits up to $1M per claim / $3M aggregate per provider; tail and retroactive coverage available.

More information

Insurance for Physician Groups can include:

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

Professional Liability (Malpractice Insurance)
1. Protects physicians and the entity against claims of negligence, misdiagnosis, or treatment error.
2. Covers diagnostic and procedural errors, surgical complications, and informed consent disputes.
3. Includes vicarious liability coverage when the group is named alongside an employed or contracted provider.
4. Shared or separate limits available for physicians, nurse practitioners, PAs, and ancillary staff.
5. Optional coverage for telemedicine, locum tenens, or satellite clinics under the same entity.
6. Policy limits up to $1M per claim / $3M aggregate per provider, with tail and prior-acts coverage available.
General Liability Insurance
1. Covers third-party bodily injury and property damage, such as patient falls in the facility or visitor accidents.
2. Includes personal and advertising injury (e.g., libel, slander, false advertising).
3. Protects against tenant liability, signage, and premises exposures in leased offices.
4. Optional Hired/Non-Owned Auto and Cyber Liability extensions for administrative risks.

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Low-risk specialties (Family Practice, Pediatrics, Behavioral Health): $5,000–$10,000.
Moderate-risk specialties (GI, Urology, Radiology): $15,000–$35,000.
High-risk specialties (Surgery, OB/GYN, Cardiology): $40,000–$75,000+.
Group entities: $2,500–$10,000 additional, depending on size and shared limits.

Multi-specialty practices often budget 10–15% of total operating expenses for professional liability alone.
Carriers may offer 5–20% discounts for clean claim histories and documented risk management programs.

Key Pricing Factors

Specialty composition: The proportion of high-risk providers heavily influences total premiums.
Claims history: Paid claims or frequent incidents increase rates or trigger non-renewal.
Location: Higher in states without malpractice caps or with active plaintiff markets.
Policy type: Occurrence-based policies cost more but remove tail obligations.
Group size: Larger entities may negotiate volume discounts or shared-limit structures.

Procedure	Description & Risks	Insurance Impact
OB/GYN Deliveries & C-Sections	Birth injuries, fetal distress, emergency C-sections, informed-consent disputes. High-severity outcomes drive litigation frequency and size.	3–10× vs. primary care; frequent surcharges in plaintiff-friendly states.
Neuro/Ortho/General Surgery	Spinal fusions, joint replacements, tumor resections. Allegations include nerve injury, infection, wrong-site or technique errors.	+30–70% over non-surgical; spine and trauma can double rates.
Anesthesiology	Airway events, dosing errors, hemodynamic instability, awareness claims. Vicarious exposure with surgical teams.	High tier; +25–50% depending on case mix and setting.
Cardiology Interventions	Cath lab procedures (PCI, stents). Risks include perforation, stroke/MI, device complications, delay in rescue.	+20–40%; higher in high-volume interventional programs.
Gastroenterology (ERCP/EST)	Pancreatitis, perforation, hemorrhage, missed malignancy. Advanced/therapeutic endoscopy raises severity.	+15–35% vs. diagnostic endoscopy alone.
Interventional Radiology / Urology	Biopsies, ablations, prostate/uro procedures. Bleeding, infection, organ injury, device failure allegations.	1.5–3× primary care; case-volume sensitive.
Internal Med / Family Med / Pediatrics	Diagnosis and care management; claims typically involve delayed diagnosis, medication error, or follow-up failures.	Baseline tier; $5k–$10k typical per MD.

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Why Work With Homewood

Specialists in medical malpractice coverage for multi-specialty and single-specialty physician groups.
Access to A-rated carriers offering entity-level and individual coverage for physicians, extenders, and administrative staff.
Expertise in hard-to-place risks and groups with complex claims histories or non-standard procedures.
Ability to coordinate shared-limit or separate-limit structures to fit your financial and operational goals.
Ongoing monitoring of state-specific carrier appetite and rate trends to secure the most competitive terms.