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OB/GYN Malpractice Insurance

Expert Malpractice Coverage for OB/GYNs

Coverage Built Around Your Practice

OB/GYNs face some of the highest claim severity in healthcare. From prenatal care to delivery and surgical procedures, your work carries significant responsibility, and requires equally strong protection.

ETHOS Insurance Services provides specialized malpractice insurance for OB/GYNs, designed to safeguard your practice and support you through high‑risk clinical environments.

Obstetric claims carry a unique timing risk. In many states, a claim involving an injury to a newborn can be filed years after the delivery, so coverage for past deliveries matters long after a policy ends. That makes the choice between occurrence and claims-made coverage, and how tail coverage is handled, especially important for OB/GYNs.

Whether you deliver babies, practice gynecology only, or are transitioning away from obstetrics, we compare options across carriers so your limits, policy type, and retroactive date fit your practice.

Coverage Designed Around Your Needs

  • High coverage limits for obstetric and surgical risks
  • Extended reporting periods for obstetric claims
  • Coverage for labor and delivery complications
  • Protection for gynecological surgical procedures
  • Prenatal and postnatal care coverage
  • Medical device and equipment liability
  • Hospital privileges defense coverage
  • Consent-to-settle clauses available

Common Risks We Cover

  • Birth injuries and neonatal complications
  • Maternal injuries during delivery
  • Delayed or missed diagnosis (ovarian cancer, ectopic pregnancy)
  • Surgical complications (hysterectomy, cesarean section)
  • Medication errors during pregnancy
  • Failure to monitor fetal distress
  • Laceration or perforation during procedures
  • Retained surgical instruments or sponges

Common Questions

Obstetric claims can be severe, especially birth injury claims, and they can be filed many years after the delivery. Carriers price in both the size of potential claims and the long reporting window. Gynecology-only practice is generally rated lower than practice that includes obstetrics.

Both can work. Occurrence coverage protects each policy year permanently, with no tail needed, which suits the long reporting window for obstetric claims. Claims-made coverage usually costs less at first but requires tail coverage or prior acts coverage when you change jobs, switch carriers, or retire.

Often, yes. Many carriers rate gynecology-only practice lower than obstetrics. Because past deliveries can still lead to claims, make sure your coverage for prior obstetric work continues through your retroactive date or a tail endorsement.

Many physicians carry $1 million per claim and $3 million aggregate, but OB/GYNs often consider higher limits because of claim severity. Hospital privileges or employment contracts may set minimum limits, so check those requirements first.

Related Coverage

Occurrence CoverageTail CoverageClaims-Made CoverageSurgeonsAll PhysiciansGroup Practices

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