Physicians in Florida need malpractice insurance

medical malpractice insurance for physicians in Florida

Medical Malpractice coverage is crucial for physicians in Florida, yet it can be one of the most complex lines of insurance that physicians  purchase. Westwood Insurance Group will guide you through the complexities and ensure you have the most suitable coverage to protect you in the event of a claim.

Get a Free Quote Now

The fastest way to find out how much medical malpractice insurance will cost for your practice in Florida, is to enter your details in the form, for a quick quote. All you need are your contact details and NPI number.

Westwood Insurance Brokers have extensive experience with medical malpractice insurance for physicians. We work with a number of different carriers to ensure you have the best possible insurance coverage available.

Quick Quote – Malpractice Insurance for Physicians

Florida is a unique market for medical malpractice insurance

A physician in Florida examines a patient. Malpractice insurance is essential for Florida physicians, due to the risk of being sued.Because malpractice insurance can cost 50% more in Florida than in other states, Physicians here typically carry much lower limits of liability — $250,000 per occurrence and $750,000 aggregate over the policy period. In fact, Physicians in Florida are not required to carry medical malpractice insurance at all, provided they post a bond to cover potential claims.

Self-insurance in a high-risk market is typically not something we advise our clients to do. Million dollar awards against physicians are not uncommon in Florida and a $250,000 liability limit leaves you liable for three quarters of a million dollars. An amount that could ruin many small practitioners. Though not as common, Florida juries have awarded some of the largest medical malpractice payouts in United States history, including $216.7 Million for a misdiagnosis of stroke symptoms.

Contact us now for some sound advice in sourcing adequate medical malpractice insurance in Florida.


how much is medical malpractice insurance in Florida?

Physician calculates cost of medical malpractice insurance in Florida

Medical malpractice insurance in Florida varies according to your specialty, your location and the coverage limits you choose. For instance, insurance for a Miami physician specializing in family medicine is around $25,000/year for limits of $250,000 per claim and $750,000 aggregate; and around $28,000/year for limits of $1 million/$3 million. For Miami physicians in higher risk groups, like general surgeons, it can cost around $75,000/year for limits of $250,000/$750,000 and $90,000/year for limits of $1 million/$3 million

Click here for more information on insurance costs.


other types of insurance we can help you with

Business Owners Policy 9BOP) for physicians in Florida

Business Owners Policy

A comprehensive insurance package designed for physicians with small to medium-sized businesses, providing a blend of liability protection and property insurance.

A florida physician checks medical records, protected by cyber security insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other incidents. Insurers will usually help  fix vulnerabilities as part of this policy.

Commercial Auto Insurance

This is relevant for physicians who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Why medical professionals love us

“Westwood Insurance Group, with Dale and Liz are a pleasure to work with in helping solve for my insured’s insurance needs. Very responsive and eager to help! They are competent and trusted!”

“I have worked with Michael and the team for the past two years and found them to be ethical, competent, attentive and to deeply value their relationships with both agents and underwriters. It is always a pleasure to deal with them”

“Laura has been a great contact for us over at the Westwood Insurance Group. She is extremely communicative and responsive. Their quick turnaround on last minute items is appreciated as well.”

Contact Michael Richards now

Michael Richards, President, Westwood Insurance Group

Michael specializes in insurance for Physicians in Florida. You can call him or one of the team on the number below or fill out the form and he will get your message directly:

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ’s

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:


    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.