We evaluated the effects of Emergency Medicine (EM) residency training, EM
board certification, and physician experience on the occurrence of malpract
ice claims and indemnity payments. This was a retrospective review of close
d malpractice claims from a single insurer. Outcome measures included the o
ccurrence of claims resulting in indemnity, indemnity amounts, and defense
costs. Differences in the outcome measures were compared based on: EM resid
ency training, EM board certification, EM residency training versus other r
esidency training, and physician experience using both univariate and multi
variate analyses. There were 428 closed EM claims with indemnity paid in 81
(18.9%), Indemnity was paid in 22.4% of closed claims against non-EM resid
ency-trained physicians, and in only 13.3% against EM residency-trained phy
sicians (p = 0.04). The total indemnity was $6,214,475. Non-EM trained phys
icians accounted for $4,340,951 (71.5%), EM residency-trained physicians ac
counted for $1,773,524 (28.5%), The average indemnity was $76,721 and the a
verage defense cost was $17,775. There were no significant differences in t
he mean indemnity paid per closed claim or the mean cost to defend a closed
claim when comparing EM-trained and non-EM residency-trained physicians. T
he total cost (indemnity + defense costs) per physician-year of malpractice
coverage was $4,905 for non-EM residency-trained physicians and $2,212 for
EM residency-trained physicians. EM residency-trained physicians account f
or significantly less malpractice indemnity than non-EM residency-trained p
hysicians. This difference is not due to differences in the average indemni
ty but is due to significantly fewer closed claims against EM residency-tra
ined physicians with indemnity paid. This results in a cost per physician-y
ear of malpractice coverage for non-EM residency-trained physicians that is
over twice that of EM residency-rained physicians. (C) 2000 Elsevier Scien
ce Inc.