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What do your malpractice insurance limits mean and how much coverage do you really need?
What do your malpractice insurance limits mean and how much coverage do you really need?
May 3, 2026
Do you fully understand what your malpractice insurance limits actually protect? Learn the difference between per-claim and aggregate limits, how defense costs impact available coverage, and why your practice structure may influence the limits you need.
Key Takeaways
- When choosing limits, consider the size of your practice, the number of providers within your practice, claim exposure, and requirements from vision plans or other contractual requirements.
- AOA members have access to a complimentary policy review with a dedicated representative at AOAExcel®’s endorsed malpractice insurance provider, Lockton Affinity.
- To test how different limits will affect premiums, use Lockton’s Malpractice Quick Quote Tool for an instant quote.