Florida Doctors Must Carry Malpractice Insurance: $100K/$300K Minimums

Yes. Florida law requires all licensed physicians to maintain medical malpractice insurance.

Minimum Coverage (Florida Board of Medicine)

• $100,000 per occurrence
• $300,000 annual aggregate

Coverage must be continuous for the duration of the license. Lapses trigger disciplinary action—up to suspension or revocation of the medical license.

Exceptions / Alternatives

• Financial responsibility demonstration: Physicians with net worth ≥$250,000 (excluding home) may post a bond or letter of credit instead of insurance (rarely used).
• Employer coverage: Hospital-employed doctors often covered under institutional policy—but must still meet minimums.

Florida's "tort reform" history (caps on non-economic damages, 2003) aimed to stabilize premiums, but the mandate remains strict. Patients can verify a doctor's coverage via the Florida Board of Medicine license lookup.