Medical Malpractice Insurance NYC 2026: The Complete Guide for Independent Physicians

New York led the nation with $550M+ in malpractice payouts in 2024. NYC premiums run 1.8x the national average, with the Bronx adding 30-60% on top. This guide breaks down costs by specialty and borough, explains tail coverage in a state where minor patients can file until age 21, and shows how independent physicians can cut premiums 20-40% through wholesale market access.