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Surgeon Malpractice Insurance

Specialized Malpractice Coverage for Surgeons

Coverage Built Around Your Practice

Surgical specialties face some of the highest liability exposure in medicine. Your malpractice insurance must match the precision, skill, and responsibility required in the operating room.

ETHOS Insurance Services provides specialized malpractice insurance for surgeons, including general surgery, orthopedic surgery, neurosurgery, cardiothoracic surgery, vascular surgery, and more. Our policies are designed to protect your career, your reputation, and your financial future.

Whether you operate independently, within a surgical group, or in a hospital setting, we deliver coverage tailored to your unique risks.

Surgical malpractice premiums vary widely by specialty, procedure mix, state, and limits. A policy that fits a general surgeon may be the wrong fit for a spine surgeon or a surgeon performing cosmetic procedures, so the details of what is covered matter as much as the price.

Coverage Designed Around Your Needs

  • High coverage limits up to $10M+ per occurrence
  • Coverage for all surgical specialties
  • Operating room and procedural coverage
  • Post-operative care protection
  • Assistant surgeon coverage
  • Medical device failure protection
  • Anesthesia-related incident coverage
  • Emergency surgery coverage

Common Risks We Cover

  • Surgical errors and wrong-site surgery
  • Anesthesia complications
  • Post-operative infections
  • Nerve damage or permanent injury
  • Improper technique or procedure
  • Failure to obtain informed consent
  • Bleeding and hemorrhage complications
  • Foreign objects left in patient

Common Questions

Surgical specialties are among the highest-rated in medicine, and premiums vary widely by specialty, state, procedures performed, limits, and claims history. Neurosurgery, spine, and orthopedic surgery are typically rated higher than general surgery. A licensed advisor can compare quotes across carriers for your specialty and state.

Many physicians carry $1 million per claim and $3 million aggregate, and surgeons often consider higher limits. Hospitals and surgery centers may require minimum limits for privileges, so confirm those requirements before choosing a policy.

Not automatically. Some policies exclude or limit cosmetic procedures, office-based surgery, or procedures outside your board certification. Tell your advisor about every type of procedure you perform so they can confirm it is covered.

If the group provides claims-made coverage, you may need tail coverage for past procedures, or prior acts coverage from your next policy. Check your employment contract to see who pays for tail before you leave.

Related Coverage

OB/GYNsEmergency MedicineAll PhysiciansTail CoverageOccurrence CoverageGroup Practices

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