District of Columbia Medical Professional Liability Insurance Profitability (2023)
In 2023, Medical Professional Liability insurers earned $29.4M in premiums in District of Columbia and ran a 43.1% loss ratio — the 36th-highest of 51 states (one of the lowest loss ratio for the line).
Source: NAIC 2023 Report on Profitability by Line by State. Loss ratio = incurred losses ÷ premiums earned.
Nationally, Medical Professional Liability ran a 57.6% loss ratio in 2023, so District of Columbia is below the national average. See how every state compares on the Medical Professional Liability market page.
See what carriers charge for medical professional liability cover in District of Columbia · Licensed agent followup
5 quick questions about your District of Columbia business · No phone calls · No SSN required
A higher loss ratio means carriers paid out more of each premium dollar in claims, which tends to push District of Columbia medical professional liability rates up and thin the field of carriers competing for the business; a lower one signals a more profitable, more competitive market. A 17.0% underwriting profit means the line stood on its own in District of Columbia without leaning on investment income. Counting investment income, carriers earned a 27.6% profit on medical professional liability insurance transactions in District of Columbia in 2023 — NAIC's broadest profitability measure for the line. Either way, these are industry aggregates — your own medical professional liability rate depends on your business, and the only way to see it is to compare filed rates and real quotes.
District of Columbia's $29M in medical professional liability premiums is the 46th-largest of the 51 states NAIC reports for the line. Across those states, loss ratios span from 194.3% in New Mexico — the toughest market for carriers — down to 14.2% in Wyoming, the most profitable; District of Columbia's 43.1% places it 36th of 51. For buyers, a state near the top of that spread usually means firmer medical professional liability pricing and fewer competing carriers, while a state near the bottom tends to run softer and more competitive. By premium, District of Columbia is about 0.3% of the $10.9B national medical professional liability market, and its loss-ratio rank places it in the more profitable half of states for carrier profitability — context that shapes how aggressively carriers compete for District of Columbia medical professional liability business.
Key takeaways
- District of Columbia medical professional liability: $29M in 2023 premiums at a 43.1% loss ratio (NAIC).
- That ranks District of Columbia 36th of 51 states by loss ratio for the line — a profitable market for carriers.
- These are industry aggregates, not a quote — your medical professional liability rate depends on your business; compare filed rates and real quotes.
Getting Medical Professional Liability coverage in District of Columbia
See recent District of Columbia rate filings on the District of Columbia rate page, learn how Medical Professional Liability works in our Medical Professional Liability guide, then compare real quotes for your business.
Compare District of Columbia Medical Professional Liability Quotes →