What a Georgia Medical Practice Needs
Medical professional liability is the policy every physician thinks about. It is one of six your practice needs, and it does not cover most of what can go wrong in your office.
A complete program for a Georgia medical practice includes:
- Medical Professional Liability, also called malpractice, for claims arising from patient care.
- General Liability (GL) for injury and property damage inside your office.
- Commercial Property for your building, improvements, and equipment.
- Workers Compensation (WC) for employee injuries.
- Cyber Liability for patient record breaches.
- Employment Practices Liability (EPL) for claims brought by your staff.
Injury Claims
A limit chosen a decade ago against an assumed statutory ceiling no longer reflects the exposure accurately. Recent injury and malpractice claims against medical professionals in Georgia have grown, with a few of note listed below:
- $48 million awarded by Fulton County Jury in December 2025 for a missed diagnosis
- $15 million awarded by Fulton County Jury in 2021 for a slip-and-fall during a blood draw
- $22 million awarded in Rabun County in June 2026 for a missed diagnosis
Review your primary limit and your excess layer against verdicts a Georgia jury can actually return.
Confirm current case law with your counsel before relying on this summary. We are not a law firm and do not provide legal counsel or make representations about malpractice law.
Claims-Made Coverage, Retroactive Dates, and Tail
Most medical professional liability is written on a claims-made form. That form works differently from the occurrence forms used for general liability, and the difference costs practices money at the worst moment.
A claims-made policy responds to claims reported while the policy is in force. The care can have occurred years earlier. What matters is when the claim arrives.
Your retroactive date defines how far back coverage reaches. Care provided before that date is not covered, regardless of when the claim is filed. When you change carriers, protect your retroactive date. A new policy with a new retroactive date leaves every prior year uncovered.
Tail coverage protects you after the policy ends. Also called an extended reporting period, it covers claims reported after you retire, change carriers, or leave a practice. Prior acts coverage from a new carrier can serve the same purpose.
A physician who retires without tail coverage remains exposed to claims for years after the last patient visit. Do not let a policy lapse or a carrier change happen without confirming what covers your prior work.
What Malpractice Coverage Does Not Reach
A patient who slips in your waiting room is not a malpractice claim. A staff member who alleges wrongful termination is not a malpractice claim. A ransomware attack on your practice management system is not a malpractice claim.
General liability covers premises injury. Waiting rooms, parking areas, and exam room falls unrelated to treatment.
Cyber liability covers a breach of protected health information. Notification costs, forensic investigation, regulatory response, and ransomware. Medical practices hold concentrated volumes of sensitive data, and a breach carries both cost and reporting obligations.
Employment practices liability covers claims by employees. Discrimination, harassment, and wrongful termination. Practices with front office and clinical staff carry this exposure whether or not they buy the coverage.
Commercial property covers your building, build-out, imaging equipment, and contents. Diagnostic equipment values are high and frequently under-scheduled.
Equipment breakdown covers mechanical and electrical failure of equipment your property policy does not.
We review all six lines on every practice we quote. Most practices arrive carrying two.
Georgia Workers Compensation for Medical Practices
Georgia law requires workers compensation coverage once a business employs three or more people. The count includes part-time employees.
Clinical staff carry needle-stick and bloodborne pathogen exposure. Front office staff carry ergonomic and slip exposure. Both sit on the same policy at different rates.
What Drives Your Premium
Medical professional liability pricing turns on factors that differ from every other commercial line:
- Specialty. The single largest factor. Surgical and obstetric specialties price differently than internal medicine.
- Procedures performed. What you do in the office matters more than your board certification.
- Claims history. Prior claims and their disposition follow the physician, not only the practice.
- Physician count and mid-level providers. Nurse practitioners and physician assistants require their own coverage arrangement.
- Limits and retroactive date. Both drive the price directly.
- Location. Venue affects severity.
The other five lines price on payroll, property values, patient record volume, and employee count.
Get a Quote
Call 678-569-0113 or request a quote online.
Have these ready and we can quote in one call:
- Specialty and procedures performed in the office
- Physician count, plus nurse practitioners and physician assistants
- Current retroactive date on your malpractice policy
- Current limits, primary and excess
- Claims history
- Employee count and annual payroll
- Property and equipment values
We are an independent agency serving Georgia medical practices from Woodstock, Canton, and Warner Robins.