Best Medical Malpractice
Insurance 2026
Protect your license and your livelihood. We compared the carriers with the strongest financials, best claims defense, and most comprehensive coverage.
At a Glance: The "Big 5"
The nation's largest physician-owned insurer. Built by doctors, for doctors.
Read Review →The Doctors Company
The Good
- "Tribute Plan" rewards loyal members with financial benefits upon retirement
- Aggressive claims defense (80% of claims closed without payment)
- Owned by its members, so profits return to you (dividends)
Best For
The Bottom Line: It's hard to beat TDC. They have the size, the history, and the physician-centric mission. If they write in your state, you should absolutely get a quote.
MedPro Group
The Good
- Rated A++ (Superior) by A.M. Best
- Oldest healthcare liability carrier in the nation (since 1899)
- Offers "Pure Consent" options (no hammer clause)
Best For
The Bottom Line: If you want the peace of mind that comes from knowing your insurer has the deepest pockets in the world (thank you, Warren Buffett), MedPro is the choice.
ProAssurance
The Good
- Known for their "Treated Fairly" pledge and transparency
- Huge library of risk management seminars (for CME credit)
- Strong regional presence in the South and Midwest
Best For
The Bottom Line: ProAssurance treats you like a partner, not a policy number. Their focus on helping you avoid claims in the first place is invaluable.
Coverys
The Good
- Uses advanced data analytics to identify risk patterns
- "Active Risk Management" helps you improve outcomes
- Excellent business intelligence reports for practices
Best For
The Bottom Line: Coverys is the smart choice for larger groups that want to use data to drive down their risk profile (and eventually their premiums).
Cunningham Group
The Good
- Independent Agency - they work for you, not the carrier
- Can quote from almost every major carrier in your state
- "Malpractice Policy Audit" services
Best For
The Bottom Line: If you are unsure which carrier is best for you, start here. They will pull quotes from everyone (including many on this list) and present you with the best options.
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