New Hampshire Professional Liability - 2025 Guide
New Hampshire's medical malpractice insurance market is characterized by moderate rates, supported by the state's robust regulatory framework and the New Hampshire Medical Malpractice Joint Underwriting Association (NHMMJUA), which ensures coverage availability for high-risk providers and those denied coverage by commercial insurers.
Medical Malpractice Insurance Requirements in New Hampshire
New Hampshire does not mandate malpractice insurance for physicians. However, hospitals and healthcare facilities often require coverage for credentialing. Typical policy limits are $200,000 per claim and $600,000 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 New Hampshire
Claims-made policies are more commonly purchased in New Hampshire, though occurrence policies are 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 New Hampshire
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).
ProAssurance
MedPro
Coverys
MagMutual
Malpractice Insurance Cost in New Hampshire
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 | $16,100 | $8,389 |
| Cardiovascular Disease - Minor Surgery | $17,200 | $10,991 |
| Dermatology - No Surgery | $7,600 | $4,627 |
| Emergency Medicine | $26,500 | $17,354 |
| Family Practice - No Surgery | $11,500 | $6,652 |
| Gastroenterology - No Surgery | $12,300 | $9,835 |
| General Surgery | $34,400 | $17,354 |
| Internal Medicine - No Surgery | $11,900 | $7,955 |
| Neurology - No Surgery | $15,500 | $9,835 |
| Obstetrics and Gynecology - Major Surgery | $60,500 | $28,924 |
| Occupational Medicine | $8,600 | $4,627 |
| Ophthalmology - No Surgery | $8,500 | $4,050 |
| Orthopedic Surgery - No Spine | $36,800 | $17,354 |
| Pathology - No Surgery | $10,700 | $5,785 |
| Pediatrics - No Surgery | $11,500 | $6,652 |
| Psychiatry | $8,800 | $4,627 |
| Pulmonary Disease - No Surgery | $14,800 | $9,835 |
| Radiology - Diagnostic | $13,900 | $8,389 |
Working with Medical Malpractice Insurance Brokers in New Hampshire
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.
Get a QuoteNew Hampshire Claims Payout
New Hampshire Statute of Limitations
New Hampshire treats medical malpractice as personal injury or wrongful death claims, generally requiring action within three years from the date of injury or when it should have been reasonably discovered. Exceptions apply for minors and cases involving fraud.
Tort Reform in New Hampshire
New Hampshire's tort reforms include: i) the NHMMJUA to provide affordable malpractice insurance (especially for high-risk specialties), ii) mandatory screening panels for all medical malpractice claims (non-binding but influential in court), iii) constitutional limitations preventing caps on noneconomic damages per state Supreme Court rulings, and iv) prohibitions on punitive damages, focusing on compensatory awards.