Mississippi Professional Liability - 2025 Guide
Mississippi's medical malpractice insurance landscape is relatively stable, with moderately priced premiums compared to many other states. This improvement follows significant reforms enacted in the early 2000s to address previously high premiums and physician shortages.
Medical Malpractice Insurance Requirements in Mississippi
Mississippi does not mandate malpractice insurance for physicians. However, many hospitals and healthcare facilities require coverage for credentialing and privileges. Physicians in higher-risk specialties often opt for policies with $1 million per claim and $3 million annual aggregate. The first amount is how much your insurance provider will pay per claim, and the second amount indicates your annual limit.
Occurrence vs Claims-Made Malpractice Policies in Mississippi
Claims-made policies are more commonly purchased in Mississippi, though occurrence policies are also available.
Coverage applies to incidents that occur during the policy period, regardless of when the claim is filed.
Coverage applies to claims filed during the policy period, requiring tail coverage for future claims.
Leading Medical Malpractice Insurance Companies in Mississippi
In addition to the below insurers, DocShield typically provides your practice with quotes from several other highly rated insurers. Ratings provided by AM Best (the leading insurance credit rating agency).
The Doctors Company
ProAssurance
MedPro
ProAssurance
Malpractice Insurance Cost in Mississippi
The data below represent undiscounted premiums. DocShield is often able to save practices 30-50% relative to these rates.
| Medical Specialty | Average Premium | Lowest Premium |
|---|---|---|
| Anesthesiology | $18,200 | $8,285 |
| Cardiovascular Disease - Minor Surgery | $18,100 | $10,855 |
| Emergency Medicine | $34,400 | $16,344 |
| Family Practice - No Surgery | $13,300 | $6,570 |
| Gastroenterology - No Surgery | $17,000 | $8,325 |
| General Surgery | $53,600 | $17,140 |
| Internal Medicine - No Surgery | $14,400 | $7,303 |
| Neurology - No Surgery | $18,200 | $7,303 |
| Obstetrics and Gynecology - Major Surgery | $82,600 | $38,043 |
| Occupational Medicine | $9,200 | $4,570 |
| Ophthalmology - No Surgery | $10,000 | $4,000 |
| Orthopedic Surgery - No Spine | $47,900 | $17,140 |
| Pathology - No Surgery | $12,700 | $5,713 |
| Pediatrics - No Surgery | $13,900 | $6,260 |
| Psychiatry | $10,200 | $4,570 |
| Pulmonary Disease - No Surgery | $21,000 | $9,713 |
| Radiology - Diagnostic | $17,900 | $8,285 |
Working with Medical Malpractice Insurance Brokers in Mississippi
A licensed broker can help you navigate the administrative work involved in getting quotes and the nuances of choosing a policy that fits your particular practice. Importantly, brokers work for you, not a single insurer, so they can shop across multiple insurers to find you the most competitive premium for a high-quality policy.
Buy Affordable Malpractice Insurance with Docshield
We've built the fastest application process in the industry so you don't have to disrupt your schedule to shop for coverage. After you select a policy, we automatically scan the market every year before renewal to ensure you're paying a fair price.
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Mississippi Statute of Limitations
The statute of limitations for medical malpractice claims in Mississippi is two years from the date of the alleged negligent act or discovery of it with reasonable diligence. For wrongful death cases, claims must be filed within one year of the date of death.
Tort Reform in Mississippi
Mississippi's tort reforms include: i) a cap on noneconomic damages currently set at $500,000, ii) the abolition of joint liability for noneconomic damages for defendants found to be less than 30% at fault, iii) restrictions on venue shopping requiring cases to be filed in the county where the alleged injury occurred, and iv) a pre-filing requirement for plaintiff attorneys to consult with an expert and provide written notice 60 days before filing a lawsuit.