Homewood Insurance Highlights Rising Liability Risks and Premium Drivers for Midwives in 2025

Naples, Florida - September 10, 2025 - Midwives across the U.S. are facing rising liability insurance costs, with carriers signaling closer scrutiny of practice settings, emergency protocols, and risk management strategies. Homewood Insurance Group today released new insights to help midwives understand what underwriters look for and how to manage costs.

The Premium Drivers are:

- Location: States like California and Florida-where malpractice damage caps are limited-see significantly higher premiums.

- Coverage Type: Claims-made coverage is initially cheaper but requires expensive tail coverage. Occurrence policies cost 20-30% more upfront but don't require tail.

- Experience: New midwives often pay 10-20% higher premiums until they establish a track record.

- Volume & Procedures: Higher birth volumes and procedures are reviewed using American College of Nurse-Midwives (ACNM) guidelines, with red flags around riskier cases such as shoulder dystocia.

The Higher Risks Flagged by Carriers

Carriers are applying surcharges or outright denials in cases involving:

- Out-of-hospital settings, especially planned home births, where claims data shows elevated neonatal and maternal injury risks.

- A lack of hospital affiliations or written transfer protocols, which underwriters increasingly require.

- An absence of informed client consent specific to home settings.

Premiums for home birth practices can be 30-100% higher, with some carriers requiring special endorsements.

Market Trends

Healthcare professional liability is rising 5-15% in 2025, driven by inflation in medical costs and the growing impact of "nuclear" jury verdicts.

Mitigation Tips for Midwives

Homewood Insurance recommends midwives:

1. Maintain detailed clinical records for every patient encounter.

2. Secure collaborative OB/GYN agreements to strengthen applications.

3. Opt for A-rated carriers, especially those willing to underwrite VBAC coverage.

4. Shop multiple quotes-Homewood can often save 20-28% for practices with clean histories.

5. Review policies annually, particularly in states like Florida, which mandate professional liability coverage for APRNs, including Certified Nurse Midwives (CNMs).

"Midwives provide vital care, but their insurance risks are unique," said Ralph Schiller, Senior Broker at Homewood Insurance. "Carriers want to see collaboration, emergency planning, and documentation. We help midwives tell that story, so they can secure affordable coverage while protecting their practice."

📍 Full details: https://homewood.insure/insurance-for-midwives/

Ralph Schiller, Senior Broker
Homewood Insurance Group
4850 Tamiami Trail N, 3rd Floor
Naples, FL 34103
Phone: +1-947-274-3093
https://homewood.insure

Homewood Insurance Group is a specialty insurance agency based in Naples, Florida, focused on serving clients in the healthcare and senior living sectors. With access to nearly 100 carriers and deep expertise in medical malpractice, general liability, sexual abuse and molestation (SAM), and cyber liability, Homewood helps clients secure tailored coverage solutions for complex risks. The firm is committed to empowering its clients with the knowledge, tools, and carrier relationships needed to protect their business.

This release was published on openPR.