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Protect your license before a claim tests it.

Compare malpractice quotes, see what claims-made vs occurrence really costs, and check the price per million of coverage.

Your coverage

01 / COVERAGE
Healthcare
$1M / $3M
Claims-made
$
$

Claims-made policies are cheaper up front, but if you switch carriers or retire you may need tail coverage — a one-time payment (often 1.5–2.5× your annual premium) that keeps you covered for past work.

Employer provides malpractice coverageNo

Your quotes

02 / QUOTES
$
$
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Price the protection.

Enter up to two annual quotes and see the real cost per million of coverage — plus what claims-made vs occurrence means for your wallet.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.