Cardiothoracic surgeons perform surgery on organs in the chest, including the heart, lungs, and esophagus.
$50,000 - $150,000 annually
high
Occurrence
Cardiothoracic surgeons perform surgery on organs in the chest, including the heart, lungs, and esophagus.
As healthcare technology evolves, new risks have emerged that require specialized coverage considerations:
AI integration in healthcare introduces new liability considerations that may affect your coverage needs:
Telemedicine practice introduces unique liability considerations that may require additional coverage:
Cardiothoracic Surgery malpractice insurance typically costs between $50,000 and $150,000 annually in 2025, depending on your location, experience, and coverage limits. Premiums have increased across most states due to rising litigation costs and nuclear verdicts.
Coverage typically includes common procedures such as Coronary bypass, Heart valve repair, Lung resection, Heart transplant, Aortic surgery, Thoracic surgery. The policy covers claims related to surgical mortality, post-operative complications, device failures, organ rejection risks. In 2025, many policies also include coverage for telemedicine services and AI-assisted procedures.
Tail coverage is recommended but not required. It protects you from claims filed after your policy ends for incidents that occurred during the coverage period.
Minimum coverage requirements vary by state, but most cardiothoracic surgeons carry at least $1M/$3M in coverage due to the high risk nature of their practice.
Top carriers for cardiothoracic surgery include The Doctors Company, MedPro Group, and CNA. The best choice depends on your specific needs, location, and risk profile. We recommend comparing quotes from multiple carriers.
AI integration and telemedicine practice introduce new liability considerations. Many policies now include specific coverage for AI-assisted procedures, telemedicine consultations, and cybersecurity risks. It's important to ensure your policy covers these emerging risks.
In 2025, cardiothoracic surgery insurance rates are influenced by nuclear verdicts, rising defense costs, and technology integration. 46 states reported premium increases in 2024, with high-risk specialties like cardiothoracic surgery experiencing significant cost pressures.
Compare rates from top carriers and find the perfect coverage for your practice in 2025.