CY 2026 Malpractice Risk Index and Premium Amounts by Specialty							
							
Specialty Code	Specialty Name	2026 Service Risk Group	2026 Risk Index	2026 Normalized Premium Rate	2025 Service Risk Group	2025 Risk Index	2025 Normalized Premium Rate
01	General practice	Non-surgery	0.723	"$15,752"	Non-surgery	0.704	"$15,240"
01	General practice	OB	1.706	"$37,182"	OB	1.637	"$35,433"
01	General practice	Surgery	1.438	"$31,324"	Surgery	1.475	"$31,924"
02	General surgery	All	3.074	"$66,981"	All	2.927	"$63,363"
03	Allergy/immunology	All	0.427	"$9,312"	All	0.430	"$9,318"
04	Otolaryngology	Non-surgery	0.711	"$15,491"	Non-surgery	0.682	"$14,762"
04	Otolaryngology	Surgery	1.679	"$36,589"	Surgery	1.659	"$35,922"
05	Anesthesiology	All	0.967	"$21,074"	All	0.933	"$20,203"
06	Cardiology	Non-surgery	0.815	"$17,761"	Non-surgery	0.777	"$16,826"
06	Cardiology	Surgery	2.754	"$60,007"	Surgery	2.628	"$56,888"
07	Dermatology	Non-surgery	0.492	"$10,710"	Non-surgery	0.491	"$10,632"
07	Dermatology	Surgery	1.135	"$24,733"	Surgery	1.192	"$25,799"
08	Family practice	Non-surgery	0.726	"$15,823"	Non-surgery	0.715	"$15,469"
08	Family practice	OB	1.716	"$37,387"	OB	1.636	"$35,409"
08	Family practice	Surgery	1.494	"$32,555"	Surgery	1.534	"$33,209"
09	Interventional pain management	All	1.189	"$25,918"	All	1.202	"$26,013"
10	Gastroenterology	Non-surgery	0.867	"$18,888"	Non-surgery	0.786	"$17,018"
10	Gastroenterology	Surgery	1.290	"$28,111"	Surgery	1.353	"$29,293"
11	Internal medicine	All	0.793	"$17,287"	All	0.757	"$16,387"
12	Osteopathic manipulative medicine	All	0.590	"$12,851"	All	0.434	"$9,388"
13	Neurology	Non-surgery	0.968	"$21,096"	Non-surgery	0.936	"$20,272"
13	Neurology	Surgery	4.845	"$105,572"	Surgery	4.726	"$102,296"
14	Neurosurgery	All	4.845	"$105,572"	All	4.726	"$102,296"
15	Speech language pathology	All	0.012	$269	All	0.011	$230
16	Obstetrics/gynecology	Non-surgery	0.992	"$21,606"	Non-surgery	0.669	"$14,485"
16	Obstetrics/gynecology	OB	3.686	"$80,320"	OB	3.485	"$75,445"
16	Obstetrics/gynecology	Surgery	2.017	"$43,959"	Surgery	1.925	"$41,677"
17	Hospice and palliative care	All	0.780	"$17,002"	All	0.747	"$16,167"
18	Ophthalmology	Non-surgery	0.505	"$11,009"	Non-surgery	0.493	"$10,678"
18	Ophthalmology	Surgery	0.918	"$19,992"	Surgery	0.894	"$19,358"
19	Oral surgery (dental only)	All	1.313	"$28,608"	All	1.099	"$23,786"
20	Orthopedic surgery	All	2.451	"$53,407"	All	2.349	"$50,841"
21	Cardiac electrophysiology	Non-surgery	0.815	"$17,761"	Non-surgery	0.777	"$16,826"
21	Cardiac electrophysiology	Surgery	2.763	"$60,199"	Surgery	2.626	"$56,854"
22	Pathology	All	0.655	"$14,274"	All	0.636	"$13,765"
23	Sports medicine	All	0.740	"$16,125"	All	0.732	"$15,836"
24	Plastic and reconstructive surgery	All	2.136	"$46,546"	All	2.103	"$45,525"
25	Physical medicine and rehabilitation	All	0.600	"$13,072"	All	0.608	"$13,163"
26	Psychiatry	All	0.475	"$10,350"	All	0.460	"$9,962"
27	Geriatric psychiatry	All	0.475	"$10,350"	All	0.460	"$9,962"
28	Colorectal surgery	All	1.657	"$36,106"	All	1.546	"$33,458"
29	Pulmonary disease	All	0.971	"$21,160"	All	0.896	"$19,400"
30	Diagnostic radiology	All	1.099	"$23,935"	All	1.011	"$21,889"
31	Intensive cardiac rehab	All	0.815	"$17,761"	All	0.777	"$16,826"
32	Anesthesiologist assistant	All	0.264	"$5,752"	All	0.272	"$5,898"
33	Thoracic surgery	All	2.895	"$63,085"	All	2.809	"$60,804"
34	Urology	Non-surgery	0.830	"$18,076"	Non-surgery	0.817	"$17,684"
34	Urology	Surgery	1.480	"$32,245"	Surgery	1.388	"$30,041"
35	Chiropractic	All	0.154	"$3,348"	All	0.147	"$3,191"
36	Nuclear medicine	All	0.602	"$13,109"	All	0.570	"$12,348"
37	Pediatric medicine	All	0.705	"$15,365"	All	0.782	"$16,918"
38	Geriatric medicine	Non-surgery	0.682	"$14,864"	Non-surgery	0.656	"$14,208"
38	Geriatric medicine	Surgery	1.649	"$35,925"	Surgery	1.549	"$33,529"
39	Nephrology	Non-surgery	0.713	"$15,545"	Non-surgery	0.684	"$14,812"
39	Nephrology	Surgery	1.143	"$24,908"	Surgery	1.162	"$25,153"
40	Hand surgery	All	1.964	"$42,792"	All	1.959	"$42,397"
41	Optometry	All	0.046	"$1,003"	All	0.046	"$1,006"
42	Certified nurse midwife	All	1.021	"$22,246"	All	0.914	"$19,782"
43	Certified registered nurse anesthetist (CRNA)	All	0.269	"$5,872"	All	0.276	"$5,968"
44	Infectious disease	All	0.910	"$19,830"	All	0.870	"$18,823"
45	Mammography screening center	All	0.016	$347	All	0.018	$379
46	Endocrinology	Non-surgery	0.770	"$16,771"	Non-surgery	0.661	"$14,312"
46	Endocrinology	Surgery	1.430	"$31,150"	Surgery	1.285	"$27,818"
47	Independent diagnostic testing facility	All	0.016	$347	All	0.018	$379
48	Podiatry	Non-surgery	0.452	"$9,843"	Non-surgery	0.495	"$10,717"
48	Podiatry	Surgery	0.982	"$21,388"	Surgery	0.902	"$19,531"
62	Psychologist	All	0.064	"$1,397"	All	0.066	"$1,436"
63	Portable x-ray supplier	All	0.014	$313	All	0.015	$326
64	Audiologist	All	0.015	$335	All	0.013	$282
65	Physical therapist	All	0.034	$745	All	0.034	$739
66	Rheumatology	All	0.674	"$14,682"	All	0.667	"$14,435"
67	Occupational therapist	All	0.024	$517	All	0.018	$395
68	Clinical psychologist	All	0.064	"$1,387"	All	0.068	"$1,466"
69	Clinical laboratory	All	0.016	$347	All	0.018	$379
70	Multispecialty clinic or group practice	All	0.714	"$15,558"	All	0.686	"$14,851"
71	Registered dietitian/nutrition professional	All	0.192	"$4,182"	All	0.264	"$5,720"
72	Pain management	All	1.128	"$24,579"	All	1.008	"$21,812"
75	Slide preparation facilities	All	0.016	$347	All	0.018	$379
76	Peripheral vascular disease	All	2.937	"$64,004"	All	2.831	"$61,289"
77	Vascular surgery	All	2.937	"$64,004"	All	2.830	"$61,259"
78	Cardiac surgery	All	2.754	"$60,007"	All	2.628	"$56,888"
79	Addiction medicine	All	0.484	"$10,544"	All	0.449	"$9,723"
80	Licensed clinical social worker	All	0.022	$478	All	0.023	$500
81	Critical care (intensivists)	All	1.200	"$26,157"	All	1.126	"$24,385"
82	Hematology	All	0.750	"$16,349"	All	0.725	"$15,687"
83	Hematology/oncology	All	0.782	"$17,035"	All	0.743	"$16,073"
84	Preventive medicine	All	0.544	"$11,860"	All	0.580	"$12,554"
85	Maxillofacial surgery	All	1.670	"$36,384"	All	1.170	"$25,328"
86	Neuropsychiatry	All	0.475	"$10,350"	All	0.460	"$9,962"
90	Medical oncology	All	0.746	"$16,259"	All	0.737	"$15,958"
91	Surgical oncology	All	2.664	"$58,050"	All	2.777	"$60,118"
92	Radiation oncology	All	0.918	"$20,005"	All	0.907	"$19,626"
93	Emergency medicine	Non-surgery	1.478	"$32,210"	Non-surgery	1.252	"$27,102"
93	Emergency medicine	Surgery	2.854	"$62,182"	Surgery	2.446	"$52,942"
94	Interventional radiology	All	1.501	"$32,697"	All	1.407	"$30,457"
98	Gynecologist/oncologist	All	2.664	"$58,050"	All	2.777	"$60,118"
99	Unknown physician specialty	Non-surgery	0.714	"$15,558"	Non-surgery	0.686	"$14,851"
99	Unknown physician specialty	Surgery	1.229	"$26,769"	Surgery	1.166	"$25,246"
C0	Sleep medicine	All	0.909	"$19,797"	All	0.889	"$19,249"
C3	Interventional cardiology	All	2.724	"$59,364"	All	2.589	"$56,042"
C6	Hospitalist	All	0.940	"$20,485"	All	0.841	"$18,197"
C7	Advanced heart failure and transplant cardiology	All	0.815	"$17,761"	All	0.777	"$16,826"
C8	Medical toxicology	All	1.478	"$32,210"	All	1.252	"$27,102"
C9	Hematopoietic cell transplantation and cellular therapy	All	0.799	"$17,415"	All	0.780	"$16,876"
E1	Marriage and family therapist (MFT)	All	0.022	$475	All	-	  -
E2	Mental health counselor (MHC)	All	0.022	$488	All	-	  -
E3	Dental anesthesiology	All	0.954	"$20,778"	All	-	  -
E6	Oral and maxillofacial pathology	All	0.609	"$13,277"	All	-	  -
E7	Oral and maxillofacial radiology	All	1.083	"$23,593"	All	-	  -
F1	Orofacial pain	All	1.121	"$24,435"	All	-	  -
