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Why malpractice insurance pricing isn’t linear and what that means for your coverage
Why malpractice insurance pricing isn’t linear and what that means for your coverage
May 7, 2026
Understanding malpractice insurance pricing can help you make smarter coverage decisions. Malpractice insurance premiums are shaped by risk, claims exposure, coverage structure and coverage amounts. Learn why malpractice insurance pricing isn’t linear and what that means when evaluating policy options.
Key Takeaways
- Malpractice insurance premiums are determined by a range of factors, including breadth of coverage, limits, risk, exposure, and claims history.
- A lower premium may result in greater financial burden in the case of a claim.
- There is no one-size-fits-all approach to selecting malpractice limits.
- AOA members can receive a complimentary policy review from AOAExcel®’s endorsed malpractice insurance provider, Lockton Affinity.