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Florida Medmal Insurance

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Florida Medmal Insurance Facts

Florida Medical Professional Liability Insurance Market Summary


If you're a physician in Florida seeking medical liability insurance, SelectFirstInsurance can guide you to numerous reputable insurers.
Leading companies in the region include:

  • ProAssurance

  • The Doctors Company

  • Mag Mutual

  • State Volunteer Mutual Insurance Co.


Florida has a competitive medical professional liability insurance market with numerous insurance carriers offering coverage to healthcare providers.


The state does not have a government-sponsored medical malpractice insurance program, and physicians, hospitals, and other healthcare entities typically obtain coverage from private insurers.


Premium rates can vary based on factors such as:

  • specialty

  • claims history

  • geographic location

Medmal Insurance Requirements for Florida in 2023

Florida law does not mandate medical professional liability insurance coverage for physicians as a condition of medical licensure. However, healthcare facilities and hospitals often require physicians to have liability coverage as a condition of practicing within their institutions. Many physicians choose to carry insurance voluntarily to protect themselves from potential malpractice claims.

Tort Reform in Florida

Florida has implemented several tort reform measures related to medical malpractice. Notable among these is a cap on non-economic damages in medical malpractice cases. The cap limits the amount of compensation that can be awarded for pain and suffering.


Florida has a "pre-suit screening" process, which requires plaintiffs to obtain an affidavit from a qualified medical expert attesting to the merits of their case before filing a lawsuit.

Statute of Limitations for Medmal Claims

Generally a two-year statute of limitations from the date of alleged malpractice or when the injury was discovered. 

Maximum statute of repose of four years from the date of alleged malpractice.

Exceptions apply for minors and fraudulent concealment.

*statute of limitations may vary depending on specialization. For additional information, please visit*

Disclaimer: The information provided above is for general informational purposes only. It  is not intended as legal, financial, or professional advice. By accessing this information, you acknowledge and accept these terms of use and any additional terms and conditions that may appear on this site from time to time.

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Why Partner With SelectFirst Insurance

When it comes to securing your medical malpractice insurance, partnering with the right provider is paramount. At SelectFirst Insurance, we understand the unique challenges and concerns that healthcare professionals face.

With over 30 years in the insurance Industry, at SelectFirst Insurance Services we cater to the unique insurance needs of our business clients. Instead of a one-size-fits-all approach, we customize the insurance products to meet your unique needs. We embrace a set of high-performance standards, ensuring your expectations will be exceeded. As a boutique insurance agency with access to over 65 insurance companies, our clients enjoy the special convenience of a personalized, highly skilled, innovative and performance driven team to handle your insurance needs. 

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