New Jersey Medical Malpractice Insurance

Physicians go through a lot of arduous training, learning to make the right decisions for their patients. Unfortunately, they don’t receive any training that will help them in the selection of their Medical Malpractice Insurance in New Jersey. Luckily for you, MyMedicalMalpracticeInsurance.com has specialists in New Jersey ready to help you meet your liability insurance needs. With access to all the leading medical malpractice insurance companies in New Jersey, we’re prepared to assist you by making them compete for your business. We’ve advised thousands of doctors and medical groups in the process and now we want to help you choose the right coverage to properly protect yourself and your practice.

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Why do Most New Jersey Physicians choose My Medical Malpractice Insurance?


Because of the excellent services we provide:

  • We’ll provide you with Medical Malpractice Insurance quotes from several of the top Medical Malpractice Insurers in New Jersey.

  • We’ll ensure that you receive all the available physician discounts, such as Risk Management, New to Practice and Claims-free.

  • We’ll include Prior Acts Coverage in your quotations, so it won’t be necessary for you to purchase separate tail coverage.

  • Our highly trained and experienced liability specialists will customize your policy to fit your specific needs.

  • We’ll share our free Practice Tools with you, such as our Online Patient Satisfaction Survey System, our on-staff Certified Professional Healthcare Risk Manager (CPHRM) and many other tools to help you manage your practice effectively.

  • Teamed up with the Medical Liability Monitor (the nation's leading independent source of Medical Liability Insurance news as well as the political, legal and risk management issues that affect the healthcare industry) we’ve published historical rate data for every city in the Garden State. You’ll find this information will offer you valuable insights into New Jersey's trends when making your informed decision on your medical malpractice carrier and insurance coverage. That’s just one of the reasons that MyMedicalMalpracticeInsurance.com is the preferred online source for New Jersey doctors and medical groups looking to find the best terms and lower their medical malpractice insurance rates.

  • Click to receive your free New Jersey Medical Malpractice Insurance quote.

Medical Malpractice Insurance in New Jersey

Medical malpractice insurance in New Jersey is very expensive. The state’s obstetricians pay the seventh-highest liability premiums in the nation. In a clear cause-and-effect relationship with those premiums, New Jersey has the highest caesarean rate in the country. The state is also staring down the barrel of an impending, severe physician shortage.

New Jersey’s litigation climate is so hostile, the Garden State ranked No. 4 on the American Tort Reform Association’s 2009/2010 Judicial Hellholes Report, an annual listing of plaintiff-friendly states, in which New Jersey has been listed in the top five since 2007. In 2008, the state had 10,579 new liability cases filed—more than twice that of Illinois, a state with a 25-percent larger population. To be fair, the large majority of those cases do not concern medical malpractice, but it does indicate the tenor of New Jersey’s legal atmosphere.

New Jersey’s expensive medical malpractice insurance rates have much to do with its lack of medical liability tort reform legislation. In fact, the state’s only medical liability-specific reform on the books is a contingent fee reform law that limits attorney contingency fees in malpractice cases pursuant to a sliding scale provided in the New Jersey Court Rules. The state previously required an affidavit of merit in all medical liability proceedings, but in 2010, New Jersey Supreme Court decision loosened the statute to the point of irrelevance.

But tort reform advocates in New Jersey have reason to be hopeful. After years of the healthcare community warning of a physician shortage, the media and citizenry has finally taken notice. The statewide Physician Workforce Policy Task Force, which the New Jersey Council of Teaching Hospitals trade group began in 2007, recently released a report detailing a current 12-percent gap between the supply of physicians and demand as well as projecting a doctor deficit of almost 1,000 primary care physicians and 1,800 specialists by 2020.

In addition to new attention being paid to looming physician shortages, new Gov. Chris Christie has been paraded as a legal reformer, having campaigned on a platform that promised to discourage frivolous lawsuits and enhance the integrity of scientific evidence admitted in the court. Christie and the General Assembly, as well as the state Senate, have already filed a bill for debate in the 2011 legislative session that pertains to liability, standards of care and insurance coverage for medical malpractice actions.

The medical malpractice reform bill—referred to in the legislature as S-760/A-1982—is intended to reform the medical malpractice insurance laws in New Jersey that are partly to blame for the state’s physician shortage. The bill aims to put in place reasonable restrictions on what may be considered in a malpractice lawsuit and how insurers may react to those suits. The bill would prevent medical malpractice insurance companies from raising premiums unless a physician is found liable of a medical malpractice claim; require that a malpractice action against a health care provider be commenced within two years after the plaintiff discovers the injury, but not more than four years after the alleged act; mandate only licensed medical professionals may be permitted to give expert testimony on the standard of practice; and that physicians licensed in the State of New Jersey shall not be liable for civil damages in the case of rendering treatment in good faith as a volunteer at a healthcare facility.

While New Jersey physicians and tort reform advocates have real reason to be optimistic that new legislation could bring medical malpractice insurance premium relief, any bill passed this year would take several years to affect rate relief. For this reason, it is critical to a physician’s business success to enlist the help of an experienced broker with access to all of New Jersey’s major medical malpractice insurance companies when looking to acquire medical liability insurance coverage.

Scroll down or click to request your free New Jersey Medical Malpractice Insurance Quote.

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All Medical Liability Monitor rate data is protected under United States Copyright Law. The rate data may not be reproduced in whole or part without permission. Contact the editor at Medical Liability Monitor for more information.

NEW JERSEY
Physician Medical Malpractice Insurance Rates


2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010



2000
Request a Free Medical Malpractice Insurance Quote in New Jersey

Clarendon Nat. Ins. Co.
(Occurrence plus policy)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$7,675
N/A		 $20,295
N/A		 $45,167
N/A


MIIX
(Data supplied by the New Jersey Department of Banking and Insurance - Preferred rates shown)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$8,414
0%		 $22,328
0%		 $39,765
0%


PMSLIC
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$7,446
0%		 $20,268
0%		 $42,584
0%


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$11,359
0%		 $32,333
2.0%		 $68,000
0%


ProSelect (Limits of $1M/$4M)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$10,733
0%		 $31,028
0.0%		 $72,839
0%


2001 Up
Request a Free Medical Malpractice Insurance Quote in New Jersey

Clarendon Nat. Ins. Co.
(Occurence plus policy)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$8,070
+ 5.0%		 $22,327
+ 10.0%		 $49,691
+ 10.0%


MIIX
(Some data supplied by the New Jersey Department of Banking and Insurance. State cannot supply data for rates above $10,000.)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$7,473 (Preferred rate)
N/A		 Unknown Unknown


PMSLIC
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9,803 ($10,211 occurence)
+ 24.1%		 $30,735 ($32,016 occurence)
+ 24.1% 		$41,878 ($43,623 occurence)
+ 24.1%


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$12,495
+ 10.0%		 $38,800
+ 20.0% 		$68,000
0%


ProSelect (ProMutual)
(Limits of $1M/$4M)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$10,733
0%		 $31,028
0% 		$72,839
0%


2002 Up
Request a Free Medical Malpractice Insurance Quote in New Jersey

Pennsylvania Medical Society Liability Insurance Co. (PMSLIC)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9,803 ($10,211 occurrence)
0%		 $30,735 ($32,016 occurrence)
0% 		$41,878 ($43,623 occurrence)
0%


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$13,620
+ 9.0%		 $41,516
+ 7.0% 		$70,720
+ 4.0%


ProSelect (ProMutual Group)
(Limits of $1M/$4M)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$11,491
+ 7.1%		 $38,307
+ 23.5% 		$77,983
+ 7.1%


2003 Up
Request a Free Medical Malpractice Insurance Quote in New Jersey

Conventus (new company)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$15,278
N/A		 $44,536
N/A 		$92,743
N/A


GE Medical Protective
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$10,806
0%		 $35,551
0% 		$49,545
0%


MIIX Advantage
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,459
+ 20.0%		 $69,002
+ 20.0% 		$89,664
+ 20.0%


NJ Pure (new company)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$17,706
N/A		 $49,819
N/A 		$86,986
N/A


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$20,893
+ 53.0%		 $58,786
+ 42.0% 		$102,643
+ 45.0%


ProSelect (ProMutual Group)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$13,502
+ 17.5%		 $45,186
+ 18.0% 		$91,988
+ 18.0%


ProNational Insurance Company (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$12,961
+ 49.3%		 $34,895
+ 30.7% 		$61,814
+ 49.3%


2004 Up
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Conventus
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,188
+ 25.6%		 $54,721
+ 22.9% 		$113,705
+ 22.6%


MIIX Advantage
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$18,754
- 3.6%		 $83,549
+ 21.1% 		$97,779
+ 9.1%


NJ Pure
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,477
+ 10.0%		 $54,801
+ 10.0% 		$95,685
+ 10.0%


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$23,818
+ 14.0%		 $63,489
+ 8.0% 		$128,304
+ 25.0%


ProSelect (ProMutual Group)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$13,503
0%		 $48,114
+ 6.5% 		$91,998
0%


ProNational Insurance Co. (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,082
+ 47.2%		 $52,198
+ 49.6% 		$91,938
+ 48.7%


2005 Up
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INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$22,066
+ 15.0%		 $60,425
+ 10.4% 		$122,112
+ 7.4%


Medical Protective
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,481
+ 43.4%		 $65,325
+ 61.0%
 $86,439
+ 20.3%


MIIX Advantage
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$26,506
+ 41.3%		 $101,947
+ 22.0%
 $140,177
+ 43.4%


New Jersey Healthcare Providers Insurance Exchange
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$18,760
N/A		 $63,355
N/A
 $97,740
N/A


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$26,107
+ 9.6%		 $72,377
+ 14.0%
 $146,267
+ 14.0%


ProSelect (ProMutual Group)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$16,068
+ 19.0%		 $53,775
+ 19.0%
 $109,473
+ 19.0%


ProNational Insurance Co. (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$17,510
- 8.2%		 $67,657
+ 29.6%
 $104,431
+ 13.6%


2006 Up
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NJ Pure
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,477
0%		 $54,801
0% 		$95,685
0%


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$27,613
+ 5.0%		 $80,629
+ 11.0% 		$171,199
+ 17.0%


Medical Protective
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,626
+ 0.7%		 $65,810
+ 0.7% 		$87,081
+ 0.7%


ProSelect (ProMutual Group)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$17,306
+ 7.7%		 $57,917
+ 7.7% 		$117,904
+ 7.7%


ProNational Insurance Co. (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$20,260
+ 15.7%		 $78,724
+ 16.4% 		$121,597
+ 16.4%


2007 Up
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NJ PURE
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,477
0%		 $54,801
0% 		$95,685
0%


Medical Protective
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,288
- 1.7%		 $64,678
- 1.7% 		$85,583
- 1.7%


NJ HPIX
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$18,760
0%		 $63,355
0% 		$97,740
0%


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$27,613
0%		 $80,629
0% 		$171,199
0%


ProSelect (ProMutual Group)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,321
0%		 $64,660
0% 		$131,932
0%


ProNational Insurance Co. (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$21,500
+ 6.1%		 $83,684
+ 6.3% 		$129,597
+ 6.6%


2008 Up
Request a Free Medical Malpractice Insurance Quote in New Jersey

NJ PURE
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,477
0%		 $54,801
0% 		$95,685
0%


MD Advantage
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,757
0%		 $69,324
0% 		$95,320
0%


Medical Protective
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$14,561
0% 		$42,863
0% 		$50,158
0%


NJ HPIX
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$23,567
0%		 $63,355
0% 		$97,740
0%


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$27,613
0%		 $80,629
0% 		$171,199
0%


ProSelect (ProMutual Group)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,321
0%		 $64,660
0% 		$131,932
0%


ProNational Insurance Co. (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$20,200
- 6.0%		 $78,484
- 6.0% 		$117,340
- 9.0%


2009 Up
Request a Free Medical Malpractice Insurance Quote in New Jersey

NJ PURE
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,477
0%		 $54,801
0%		 $95,685
0%


MD Advantage
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$19,757
0%		 $69,324
0%		 $95,320
0%


Medical Protective
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$16,870
16%		 $64,823
51%		 $90,623
81%


NJ HPIX
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$23,567
0%		 $63,355
0%		 $97,740
0%


Princeton Insurance Co.
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$25,680
- 7%		 $74,985
- 7%		 $159,214
- 7%


ProSelect (ProMutual Group)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$17,195
- 11%		 $57,547
- 11%		 $117,151
- 11%


ProNational Insurance Co. (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$20,200
0%		 $78,484
0%		 $117,340
0%


2010 coming soon.
To find the most current medical malpractice insurance rates in New Jersey, contact Mike Matray at the Medical Liability Monitor. MyMedicalMalpracticeInsurance.com has negotiated an excellent rate for all of our users, mention our site, and you can receive the Medical Liability Monitor at a low promotional price.