Medical malpractice insurance is a necessary form of coverage for doctors and other healthcare professionals. This type of professional liability insurance provides cover for incidents and their arising claims, mainly due to negligent acts that result in bodily injury, additional medical expenses, and property damage.
This is a guide for brokers seeking the best medical malpractice insurance companies to recommend to their clients. We’ve listed the top 10 medical malpractice insurance companies in the USA. You can use this list to help you provide the best medical malpractice coverage.
These are the biggest insurance companies that offer medical malpractice insurance, ranked by market share:
Market share: 17.57%
Direct premiums written: $2.2 billion
Berkshire Hathaway’s top spot in medical professional liability (MPL) is primarily through the Medical Protective (MedPro) Group. This carrier is widely regarded as the largest provider of healthcare liability (medical malpractice coverage) in the US, insuring hundreds of thousands of physicians, dentists, hospitals, and other providers nationwide.
MedPro emphasizes strong financial strength (A++ from A.M. Best) and a flexible type of coverage option, including occurrence, claims‐made, and convertible claims‐made. These insurance products feature pure consent‐to‐settle and free tail coverage at retirement under certain conditions. MedPro’s malpractice insurance covers both indemnity and substantial defense costs, backed by Berkshire’s balance sheet, and is distributed through a broad broker network.
The company’s current focus is not on new insurance products, but on deepening risk management support, data‐driven underwriting, and high‐limit capacity for complex coverage of high‐exposure specialties.
Berkshire Hathaway is a top performer across many different insurance lines. For other leading names in the industry, visit our Best in Insurance page.
Market share: 10.06%
Direct premiums written: $1.26 billion
The Doctors Company is a physician‐owned mutual and one of the largest dedicated medical malpractice coverage carriers in the US. It currently covers roughly 97,000 healthcare professionals while holding an “A” financial strength rating from major agencies in 2024. Its core insurance products are occurrence and claims‐made medical professional liability policies for medical professionals such as:
This is supported by extensive risk management education, patient‐safety programs, and claims‐defense resources to help prevent and cover claims involving alleged medical negligence.
In 2018, The Doctors Company was chosen from among the many medical malpractice insurance companies as the main malpractice insurer of the New York State Society of Plastic Surgeons (NYSSPS).
In 2025, The Doctors Company made a $1.3 billion acquisition of ProAssurance, a major MPL writer, which is expected to significantly expand its MPL insurance coverage footprint and product range. The combined group is positioning itself as a physician‐led MPL platform with scale to absorb rising defense costs and “nuclear verdicts” while maintaining strong reserves and underwriting discipline.
Market share: 6.01%
Direct premiums written: $757.2 million
CNA is a large multiline carrier with a long‐running focus on healthcare professional liability. Through programs like its Nurses Service Organization (NSO) partnership, it underwrites nationwide medical malpractice coverage for individual nurses, nurse firms, and small groups.
Its MPL insurance products are claims‐made policies that provide coverage for incidents arising from professional services, with limits tailored to different professions and practice settings. It is supported by specialty‐specific risk management resources, claim‐trend reports, and education.
CNA markets itself as the leading underwriter of nurse professional liability and continues to invest in claims analytics and defense costs management. Its recent emphasis is on enhancing online access and education rather than launching new MPL forms.
Market share: 5.40%
Direct premiums written: $679.7 million
ProAssurance is a long‐standing specialty carrier focused on medical professional liability. It offers malpractice insurance covers for:
ProAssurance places particular emphasis on claims‐made structures and tail coverage solutions. It educates insureds on the long‐tail nature of MPL. When a physician retires, changes carriers, or stops practicing, ProAssurance offers extended‐reporting endorsements. This way, past coverage for incidents remains in force when a claim is filed.
Market share: 4.76%
Direct premiums written: $599.2 million
MagMutual is a physician‐owned mutual that centers its business on medical professional liability for physicians and healthcare organizations. It insures over 40,000 clinicians and entities and carries an A (Excellent) A.M. Best financial strength rating.
The company’s MPL insurance products include claims‐made and occurrence options, with integrated risk management services, cyber and regulatory coverages. They also provide other practice‐protection lines that help physicians manage medical negligence exposures across the full episode of care.
MagMutual’s recent emphasis has been on delivering broader, healthcare‐focused insurance coverage, combining med‐mal with cyber, regulatory, business, and workers’ compensation in a coordinated program. For policyholders, MagMutual continues to highlight dividends and “financial rewards” programs, effectively sharing surplus while maintaining capital to cover claims and associated defense costs.
Market share: 3.78%
Direct premiums written: $476.4 million
Coverys specializes in medical professional liability and related lines for physicians, surgeons, dentists, advanced practice providers, hospitals, and outpatient facilities. Its products are supported by data‐driven risk management and patient‐safety services.
A notable feature of its MPL type of coverage is the modified claims‐made option that includes prepaid tail coverage via an indefinite extended‐reporting endorsement at no additional premium. This feature protects insureds for coverage for incidents occurring after the retroactive date and reported later, even after the policy ends.
Coverys also offers traditional occurrence forms, plus entity and vicarious liability, excess layers, and related insurance products like cyber and general liability. This helps healthcare clients manage a full range of medical malpractice coverage and operational exposures. Coverys’ recent positioning focuses on analytics‐driven risk management and broad underwriting capability rather than headline‐grabbing new product launches.
Market share: 3.61%
Direct premiums written: $454.8 million
Liberty Mutual writes medical professional liability mainly through its Global Risk Solutions / Liberty Specialty Markets unit. It offers primary and excess insurance coverage for hospitals, health systems, and other healthcare organizations with significant medical professional liability exposure.
These insurance products are available on a primary or excess type of coverage basis, with limits up to about $25 million. Liberty focuses on large healthcare accounts, using its global financial strength and capacity to handle complex medical malpractice coverage needs, rather than selling individual physician policies.
Market share: 3.57%
Direct premiums written: $449.7 million
MCIC Vermont is a medical professional liability insurer for major academic medical centers and their resident physicians. It provides combined professional and general liability insurance coverage for hospitals, faculty practice plans, and employed or affiliated clinicians, with risk management services tailored to teaching and research institutions.
The company insures more than 21,000 physicians and over 100 facilities, focusing on defense costs, patient safety, and long‐tail medical negligence claims.
Market share: 3.27%
Direct premiums written: $411.9 million
Curi (formerly Medical Mutual of North Carolina) offers medical professional liability and general liability insurance products for physicians, groups, and healthcare facilities, using both admitted and non‐admitted paper. Its MPL type of coverage includes various limits, regulatory extensions, and a “consent to settle” clause in every policy. They also offer risk management support like CME‐eligible webinars and risk assessments.
Curi ended its embedded cyber insurance coverage on July 1, 2025, so cyber will not renew after that date. The company is shifting exposure to specialist cyber carriers and focusing on core MPL, marketed as physician‐centric coverage with options for facilities, long‐term financial strength, and member dividends.
Market share: 1.95%
Direct premiums written: $245.1 million
Chubb writes medical professional liability globally, including its “Chubb Elite Medical Malpractice” product for healthcare professionals and establishments. This product is a form of professional indemnity/medical malpractice coverage that addresses civil liability claims from acts, errors, or omissions in professional services.
The product typically offers cover for civil‐liability claims and legal‐representation costs, vicarious liability for contracted clinicians, Good Samaritan acts, and various supplementary protections. Chubb leans on its strong financial strength (rated in the AA / A++ range) and global network to support multi‐jurisdictional healthcare risks. It positions its med‐mal line as part of a broader suite of specialty insurance products and risk management services.
Chubb is among the few medical malpractice insurance companies that is also listed as one of the top ten insurance companies in the USA.
These top 10 medical malpractice insurers operate inside organizations led by executives who are shaping the wider US insurance market. Several leaders from groups such as Chubb and Berkshire Hathaway also appear in our 2026 Hot 100 list of insurance leaders.
The data used in this article is from the latest report by the National Association of Insurance Commissioners (NAIC).
It can be a challenge to select the med-mal carrier that suits your client’s needs. Here’s a quick guide to help you find the most suitable carrier:
1. Check licensing and appetite: Confirm that the carrier is licensed (or eligible) in the client’s state and actively writes their specialty, procedures, and practice setting.
2. Check their financial strength: Require strong financials (e.g., A.M. Best A‐ or better) and adequate surplus for long‐tail, high‐severity malpractice claims.
3. Select the right policy structure: Decide between claims‐made vs occurrence; for claims‐made, compare tail coverage, prior‐acts (“nose coverage”) options, limits, key extensions, and major exclusions across carriers.
4. Evaluate claims handling and risk management: Look at consent‐to‐settle terms, defense expertise, and 24/7 reporting, plus the strength of risk‐management and education programs (CME, hotlines, practice assessments).
5. Use reputation and price as tie‐breakers: Ask peers and local medical societies about real‐world experience with each carrier, then compare premium and terms only among the 2–3 carriers that meet all the above criteria.
See more lists and guides on top industry performers in our Special Reports section.
