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Compare four California malpractice rate filings.

The table shows public base rates for ten specialties, three areas, and four carrier programs. Read the filing dates before comparing amounts.

A coastal highway curves past a MED-MAL 101 route sign

Comparison basis.

The table compares mature claims-made base rates at $1M/$3M limits. It excludes individual rating adjustments, underwriting, taxes, and fees.

A base rate is the manual starting amount before those individual changes.

Programs without filed rates.

MedPro RRG has no public California rate manual. CAP/MPT is an interindemnity trust and does not file Proposition 103 rates.

Filed-rate vintage and structural notes
Carrier column Public filing used Vintage What that means
TDC 14-4043 / DCTR-129531290, approved 2014-08-07 2014 manual, Edition 10/14 Approved California physician rate manual.
MedPro admitted 13-3635 / SERFF MDPC-129010877, approved 2013-08-07 2013 manual, Edition 07/01/13 Admitted-company public rates only; MedPro RRG has no public CDI rate filing.
NORCAL 14-7766;14-7767 / SERFF NCMC-129678275, approved 2015-09-28 2015 corrected manual The 2019 physician rate filing was withdrawn. This table uses the approved 2015 manual.
MIEC 20-4143 / SERFF PERR-132594120, approved 2023-02-07 2023 post-AB-35 manual This is the newest filing in the table. Dollar cells use the filed formula.

Ten specialties across three areas.

Each cell shows the filed base rate and mapped carrier class. Footnotes identify mappings that need extra review.

Mature $1M/$3M claims-made filed base rates by specialty, geography, and carrier
Specialty Geography The Doctors Company MedPro admitted NORCAL MIEC
Internal Medicine Los Angeles/Orange $8,274 Internal Medicine $15,498 Class 1E 1 $11,059 1012 - Internal Medicine (No Surgery) $13,693.30 Internal Medicine (class 10, rel 1.00)
Internal Medicine San Diego $9,730 Internal Medicine $12,335 Class 1E 2 $9,492 1012 - Internal Medicine (No Surgery) $10,810.50 Internal Medicine (class 10, rel 1.00)
Internal Medicine San Francisco $5,765 Internal Medicine $7,408 Class 1E 3 $8,726 1012 - Internal Medicine (No Surgery) $7,207 Internal Medicine (class 10, rel 1.00)
Family Practice (No Surgery) Los Angeles/Orange $9,158 Family General Practice (No Surgery-Hospital Care) $12,960 Class 1D 4 $11,765 1015 - Family Medicine (No Surgery) $13,693.30 Family Medicine (class 10, rel 1.00) 5
Family Practice (No Surgery) San Diego $7,447 Family General Practice (No Surgery-Hospital Care) $10,315 Class 1D 6 $10,098 1015 - Family Medicine (No Surgery) $10,810.50 Family Medicine (class 10, rel 1.00) 7
Family Practice (No Surgery) San Francisco $4,735 Family General Practice (No Surgery-Hospital Care) $6,195 Class 1D 8 $9,283 1015 - Family Medicine (No Surgery) $7,207 Family Medicine (class 10, rel 1.00) 9
Psychiatry Los Angeles/Orange $6,741 Psychiatry $9,015 Class 1B 10 $7,647 1005 - Psychiatry $5,477.32 Psychiatry (class 2, rel 0.40)
Psychiatry San Diego $4,712 Psychiatry $7,175 Class 1B 11 $6,564 1005 - Psychiatry $4,324.20 Psychiatry (class 2, rel 0.40)
Psychiatry San Francisco $3,049 Psychiatry $4,310 Class 1B 12 $6,034 1005 - Psychiatry $2,882.80 Psychiatry (class 2, rel 0.40)
Anesthesiology Los Angeles/Orange $12,128 Anesthesiology $16,343 Class 2A 13 $12,942 1023 - Anesthesiology $19,170.62 Anesthesiology (class 15, rel 1.40)
Anesthesiology San Diego $10,472 Anesthesiology $13,008 Class 2A 14 $11,108 1023 - Anesthesiology $15,134.70 Anesthesiology (class 15, rel 1.40)
Anesthesiology San Francisco $5,987 Anesthesiology $7,813 Class 2A 15 $10,211 1023 - Anesthesiology $10,089.80 Anesthesiology (class 15, rel 1.40)
Emergency Medicine Los Angeles/Orange $23,742 Emergency Medicine $33,810 Class 4 16 $22,354 1055 - Emergency Medicine 17 $30,809.92 Emergency Medicine (class 20, rel 2.25)
Emergency Medicine San Diego $19,993 Emergency Medicine $26,910 Class 4 18 $19,186 1055 - Emergency Medicine 19 $24,323.62 Emergency Medicine (class 20, rel 2.25)
Emergency Medicine San Francisco $11,257 Emergency Medicine $16,163 Class 4 20 $17,638 1055 - Emergency Medicine 21 $16,215.75 Emergency Medicine (class 20, rel 2.25)
General Surgery Los Angeles/Orange $41,775 General Surgery (All Other) $47,335 Class 5B 22 $39,178 1080 - General Surgery $49,295.88 General Surgery (class 24, rel 3.60)
General Surgery San Diego $35,273 General Surgery (All Other) $37,675 Class 5B 23 $33,626 1080 - General Surgery $38,917.80 General Surgery (class 24, rel 3.60)
General Surgery San Francisco $19,860 General Surgery (All Other) $22,628 Class 5B 24 $30,912 1080 - General Surgery $25,945.20 General Surgery (class 24, rel 3.60)
Obstetrics & Gynecology Los Angeles/Orange $49,804 Obstetrics & Gynecology $56,350 Class 7A 25 $51,179 1090 - Obstetrics and Gynecology $65,043.17 OB-GYN (class 26, rel 4.75)
Obstetrics & Gynecology San Diego $41,128 Obstetrics & Gynecology $44,850 Class 7A 26 $43,927 1090 - Obstetrics and Gynecology $51,349.88 OB-GYN (class 26, rel 4.75)
Obstetrics & Gynecology San Francisco $25,190 Obstetrics & Gynecology $26,938 Class 7A 27 $40,381 1090 - Obstetrics and Gynecology $34,233.25 OB-GYN (class 26, rel 4.75)
Orthopedic Surgery Los Angeles/Orange $34,021 Orthopedic Surgery (No Spinal) $33,810 Class 4 28 $37,061 1075 - Orthopedic Surgery (No Spinal) 29 $41,079.90 Orthopedics, Excluding Spinal Surgery (class 23, rel 3.00) 30
Orthopedic Surgery San Diego $28,342 Orthopedic Surgery (No Spinal) $26,910 Class 4 31 $31,809 1075 - Orthopedic Surgery (No Spinal) 32 $32,431.50 Orthopedics, Excluding Spinal Surgery (class 23, rel 3.00) 33
Orthopedic Surgery San Francisco $17,120 Orthopedic Surgery (No Spinal) $16,163 Class 4 34 $29,241 1075 - Orthopedic Surgery (No Spinal) 35 $21,621 Orthopedics, Excluding Spinal Surgery (class 23, rel 3.00) 36
Plastic Surgery Los Angeles/Orange $29,738 Plastic Surgery $33,810 Class 4 37 $31,178 1065 - Plastic Surgery $49,295.88 Plastic Surgery (class 24, rel 3.60)
Plastic Surgery San Diego $23,641 Plastic Surgery $26,910 Class 4 38 $26,760 1065 - Plastic Surgery $38,917.80 Plastic Surgery (class 24, rel 3.60)
Plastic Surgery San Francisco $17,592 Plastic Surgery $16,163 Class 4 39 $24,600 1065 - Plastic Surgery $25,945.20 Plastic Surgery (class 24, rel 3.60)
Neurosurgery Los Angeles/Orange $68,380 Neurosurgery $78,890 Class 8 40 $72,945 1099 - Neurosurgery $130,086.35 Neurological Surgery (class 33, rel 9.50)
Neurosurgery San Diego $55,364 Neurosurgery $62,790 Class 8 41 $62,608 1099 - Neurosurgery $102,699.75 Neurological Surgery (class 33, rel 9.50)
Neurosurgery San Francisco $33,770 Neurosurgery $37,713 Class 8 42 $57,555 1099 - Neurosurgery $68,466.50 Neurological Surgery (class 33, rel 9.50)

Mapping notes

  1. MedPro Area 1; Class 1E = internal medicine + cardiology (non-surgical); IM with minor surgery is class 2C
  2. MedPro Area 2; Class 1E = internal medicine + cardiology (non-surgical); IM with minor surgery is class 2C
  3. MedPro Area 4; Class 1E = internal medicine + cardiology (non-surgical); IM with minor surgery is class 2C
  4. MedPro Area 1; Class 1D pools FP with hematology/oncology, hospitalists, nephrology, pediatrics (non-surgical)
  5. MIEC territory relativity 1.9; COMPUTED from filed formula (base x territory x class relativity), not a printed rate-page dollar; MIEC rates FP and IM identically (both class 10)
  6. MedPro Area 2; Class 1D pools FP with hematology/oncology, hospitalists, nephrology, pediatrics (non-surgical)
  7. MIEC territory relativity 1.5; COMPUTED from filed formula (base x territory x class relativity), not a printed rate-page dollar; MIEC rates FP and IM identically (both class 10)
  8. MedPro Area 4; Class 1D pools FP with hematology/oncology, hospitalists, nephrology, pediatrics (non-surgical)
  9. MIEC territory relativity 1.0; COMPUTED from filed formula (base x territory x class relativity), not a printed rate-page dollar; MIEC rates FP and IM identically (both class 10)
  10. MedPro Area 1; Class 1B pools psychiatry with 8 other non-surgical specialties
  11. MedPro Area 2; Class 1B pools psychiatry with 8 other non-surgical specialties
  12. MedPro Area 4; Class 1B pools psychiatry with 8 other non-surgical specialties
  13. MedPro Area 1; Class 2A pools anesthesiology with pain management/medicine and urgent care
  14. MedPro Area 2; Class 2A pools anesthesiology with pain management/medicine and urgent care
  15. MedPro Area 4; Class 2A pools anesthesiology with pain management/medicine and urgent care
  16. MedPro Area 1; EM with NO major surgery = class 4; EM surgical = class 5A (40,008 Area 1)
  17. NORCAL Territory 4; EM with trauma = class 1085 (33,419 T1)
  18. MedPro Area 2; EM with NO major surgery = class 4; EM surgical = class 5A (40,008 Area 1)
  19. NORCAL Territory 3; EM with trauma = class 1085 (33,419 T1)
  20. MedPro Area 4; EM with NO major surgery = class 4; EM surgical = class 5A (40,008 Area 1)
  21. NORCAL Territory 1 (SF county is in Territory 1 'Remainder of State'); EM with trauma = class 1085 (33,419 T1)
  22. MedPro Area 1; Class 5B pools general surgery with cardiovascular, thoracic, vascular surgery
  23. MedPro Area 2; Class 5B pools general surgery with cardiovascular, thoracic, vascular surgery
  24. MedPro Area 4; Class 5B pools general surgery with cardiovascular, thoracic, vascular surgery
  25. MedPro Area 1; Class 7A = surgical OB/GYN only
  26. MedPro Area 2; Class 7A = surgical OB/GYN only
  27. MedPro Area 4; Class 7A = surgical OB/GYN only
  28. MedPro Area 1; Ortho EXCLUDING spinal = class 4; including spinal = class 5A (40,008 Area 1)
  29. NORCAL Territory 4; Including spinal = class 1085 (33,419 T1)
  30. MIEC territory relativity 1.9; COMPUTED from filed formula (base x territory x class relativity), not a printed rate-page dollar; Including spinal = class 27 (rel 5.00)
  31. MedPro Area 2; Ortho EXCLUDING spinal = class 4; including spinal = class 5A (40,008 Area 1)
  32. NORCAL Territory 3; Including spinal = class 1085 (33,419 T1)
  33. MIEC territory relativity 1.5; COMPUTED from filed formula (base x territory x class relativity), not a printed rate-page dollar; Including spinal = class 27 (rel 5.00)
  34. MedPro Area 4; Ortho EXCLUDING spinal = class 4; including spinal = class 5A (40,008 Area 1)
  35. NORCAL Territory 1 (SF county is in Territory 1 'Remainder of State'); Including spinal = class 1085 (33,419 T1)
  36. MIEC territory relativity 1.0; COMPUTED from filed formula (base x territory x class relativity), not a printed rate-page dollar; Including spinal = class 27 (rel 5.00)
  37. MedPro Area 1; Plastic surgery NOC = class 4; 'no elected cosmetic' variant = class 3 (24,795 Area 1)
  38. MedPro Area 2; Plastic surgery NOC = class 4; 'no elected cosmetic' variant = class 3 (24,795 Area 1)
  39. MedPro Area 4; Plastic surgery NOC = class 4; 'no elected cosmetic' variant = class 3 (24,795 Area 1)
  40. MedPro Area 1; Class 8 = neurological surgery only
  41. MedPro Area 2; Class 8 = neurological surgery only
  42. MedPro Area 4; Class 8 = neurological surgery only

Each carrier prices geography differently.

The same three areas do not have one price order. Each filed manual defines and prices California territories differently.

Internal Medicine filed base rates by carrier and geography
Carrier Los Angeles/OrangeSan DiegoSan Francisco Highest-to-lowest gradient
The Doctors Company $8,274$9,730$5,765 San Diego ($9,730) > Los Angeles/Orange ($8,274) > San Francisco ($5,765)
MedPro admitted $15,498$12,335$7,408 Los Angeles/Orange ($15,498) > San Diego ($12,335) > San Francisco ($7,408)
NORCAL $11,059$9,492$8,726 Los Angeles/Orange ($11,059) > San Diego ($9,492) > San Francisco ($8,726)
MIEC $13,693.30$10,810.50$7,207 Los Angeles/Orange ($13,693.30) > San Diego ($10,810.50) > San Francisco ($7,207)

Read the columns correctly.

Each area maps to the applicable territory in each carrier manual. Superscript notes identify a mapped specialty class.

  • Filing years differ: MedPro 2013, TDC 2014, NORCAL 2015, and MIEC 2023.
  • All displayed amounts use $1M/$3M mature claims-made base rates before individual rating adjustments.
  • MIEC cells use its filed base rate, territory relativity, and class relativity.
  • MedPro RRG has no California public rate manual. This page uses the admitted company's 2013 manual.
  • CAP/MPT is an Insurance Code section 1280.7 interindemnity trust. It has no Proposition 103 rate table.
  • Each manual groups counties differently. Compare the territory definition with the practice location.

Filed sources

  • TDC California Rate Pages Ed. 10/14; CDI filing 14-4043 / DCTR-129531290, approved 2014-08-07
  • The Medical Protective Company, CA State Rate Pages Section III (SR-CA-III), Edition 07/01/13, Standard Claims-Made Mature tables; CDI filing 13-3635 / SERFF MDPC-129010877, approved 2013-08-07
  • NORCAL Mutual Insurance Company, California Medical Professional Liability Insurance Underwriting Manual, 08/01/2015 (corrected copy), pp. 7-11; CDI filing 14-7766;14-7767 / SERFF NCMC-129678275, approved 2015-09-28
  • Medical Insurance Exchange of California, Countrywide Underwriting Manual - HPL (Rev 2-1-2023) with California State Exception Pages; CDI filing 20-4143 / SERFF PERR-132594120, approved 2023-02-07, effective 2023-02-01
  • Search California rate filings.