--- title: "Indiana Medical Malpractice Insurance Guide" description: "Verify Patient’s Compensation Fund qualification for every intended insured before relying on Indiana’s statutory protections." canonical: "https://spot.insure/coverage/medical-malpractice/indiana" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/medical-malpractice/indiana) # Indiana Medical Malpractice Insurance Guide Indiana’s Patient’s Compensation Fund is tied to formal provider qualification: the Department of Insurance collects surcharges and tracks qualified providers, and only providers that qualify under the Medical Malpractice Act receive its protections. The proposed-complaint process sends notice to named providers and known insurers, and the Department’s public database records participation. Confirm each person and entity’s qualification and the insurer’s proof-of-financial-responsibility filing rather than assuming the policy label completes enrollment.[^1][^2] **Coverage:** [Medical malpractice](/coverage/medical-malpractice) · [Indiana](/coverage/states/indiana) ## What Is Medical Malpractice? Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. [Read the national Medical malpractice guide](/coverage/medical-malpractice). ## What to Watch for in Indiana ### Fund protection follows qualification, not a policy label Indiana DOI says only health-care providers qualified under the Medical Malpractice Act are protected by its provisions. Its database records provider names, specialties and complaint information. Check the exact individual and any entity in the database and retain the qualification certificate or filing confirmation; do not infer fund participation merely because a policy says “medical malpractice.”[^2] ### A qualifying policy needs a separate filing and surcharge step The Department administers qualification, surcharges and records under the Act. Before renewal or a carrier change, ask who will file proof of financial responsibility, remit the surcharge and confirm the effective date for every clinician and covered facility. Those administrative steps establish fund status; they do not expand the policy’s insureds, limits or exclusions.[^1] ### A proposed complaint can trigger insurer notice before panel review Indiana’s Department forwards proposed complaints to named providers and each insurer if known; filing also tolls the applicable limitation period through 90 days after the panel opinion is received. Give the carrier prompt notice under the contract and confirm the current filing instructions: since January 22, 2025 the Department no longer serves included discovery with the complaint.[^2] ## Who Regulates Insurance in Indiana **Indiana Department of Insurance.** The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches.[^3][^4][^5] - [Regulator website](https://www.in.gov/idoi/) - [License lookup](https://www.in.gov/idoi/companyentity-financial-compliance/) - [File a complaint](https://www.in.gov/idoi/consumer-services/complaints/submit-a-complaint-online/) - Phone: (800) 622-4461 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2.5% of gross premium when Indiana is the home state Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker.[^6][^7][^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for Medical malpractice; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Indiana; [check the regulator’s license lookup](https://www.in.gov/idoi/companyentity-financial-compliance/) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^12] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^17] ## Questions to Ask Before You Buy in Indiana 1. Is each clinician and the practice or facility separately qualified for PCF participation, with effective dates documented? 2. Who files the certificate of insurance and remits the current surcharge for each specialty or facility class? 3. Does the policy define an incident or proposed complaint as a reportable claim, and where must it be sent? 4. Which limits, defense-cost treatment, consent terms and tail or prior-acts protections appear in the issued contract? ## Medical Malpractice in Indiana: FAQ ### Does any malpractice policy automatically qualify the provider for the PCF? No. Indiana requires qualification under the Medical Malpractice Act; the Department lists proof of financial responsibility and surcharge collection as part of its administration. Verify the actual provider status in the official database.[^1][^2] ### Does the Department send the complaint to the insurer? It forwards the proposed complaint to each defendant’s insurer if known. The provider should still follow the policy’s own notice requirements and confirm insurer receipt.[^2] ## Medical Malpractice in Other States - [Alabama](/coverage/medical-malpractice/alabama) - [Alaska](/coverage/medical-malpractice/alaska) - [Arizona](/coverage/medical-malpractice/arizona) - [Arkansas](/coverage/medical-malpractice/arkansas) - [California](/coverage/medical-malpractice/california) - [Colorado](/coverage/medical-malpractice/colorado) - [Connecticut](/coverage/medical-malpractice/connecticut) - [Delaware](/coverage/medical-malpractice/delaware) - [District of Columbia](/coverage/medical-malpractice/district-of-columbia) - [Florida](/coverage/medical-malpractice/florida) - [Georgia](/coverage/medical-malpractice/georgia) - [Hawaii](/coverage/medical-malpractice/hawaii) - [Idaho](/coverage/medical-malpractice/idaho) - [Illinois](/coverage/medical-malpractice/illinois) - [Iowa](/coverage/medical-malpractice/iowa) - [Kansas](/coverage/medical-malpractice/kansas) - [Kentucky](/coverage/medical-malpractice/kentucky) - [Louisiana](/coverage/medical-malpractice/louisiana) - [Maine](/coverage/medical-malpractice/maine) - [Maryland](/coverage/medical-malpractice/maryland) - [Massachusetts](/coverage/medical-malpractice/massachusetts) - [Michigan](/coverage/medical-malpractice/michigan) - [Minnesota](/coverage/medical-malpractice/minnesota) - [Mississippi](/coverage/medical-malpractice/mississippi) - [Missouri](/coverage/medical-malpractice/missouri) - [Montana](/coverage/medical-malpractice/montana) - [Nebraska](/coverage/medical-malpractice/nebraska) - [Nevada](/coverage/medical-malpractice/nevada) - [New Hampshire](/coverage/medical-malpractice/new-hampshire) - [New Jersey](/coverage/medical-malpractice/new-jersey) - [New Mexico](/coverage/medical-malpractice/new-mexico) - [New York](/coverage/medical-malpractice/new-york) - [North Carolina](/coverage/medical-malpractice/north-carolina) - [North Dakota](/coverage/medical-malpractice/north-dakota) - [Ohio](/coverage/medical-malpractice/ohio) - [Oklahoma](/coverage/medical-malpractice/oklahoma) - [Oregon](/coverage/medical-malpractice/oregon) - [Pennsylvania](/coverage/medical-malpractice/pennsylvania) - [Rhode Island](/coverage/medical-malpractice/rhode-island) - [South Carolina](/coverage/medical-malpractice/south-carolina) - [South Dakota](/coverage/medical-malpractice/south-dakota) - [Tennessee](/coverage/medical-malpractice/tennessee) - [Texas](/coverage/medical-malpractice/texas) - [Utah](/coverage/medical-malpractice/utah) - [Vermont](/coverage/medical-malpractice/vermont) - [Virginia](/coverage/medical-malpractice/virginia) - [Washington](/coverage/medical-malpractice/washington) - [West Virginia](/coverage/medical-malpractice/west-virginia) - [Wisconsin](/coverage/medical-malpractice/wisconsin) - [Wyoming](/coverage/medical-malpractice/wyoming) [Other Coverage in Indiana](/coverage/states/indiana) ## Sources [^1]: [Medical Malpractice Division](https://www.in.gov/idoi/medical-malpractice/) — Indiana Department of Insurance; Division role: provider qualification, surcharges, claim records and proposed complaints. Accessed 2026-09-28. [^2]: [Filing a Medical Malpractice Complaint](https://secure.in.gov/idoi/medical-malpractice/filing-a-medical-malpractice-complaint/) — Indiana Department of Insurance; Claim filing, forwarding to named providers and known insurers, PCF database, qualification status; current page notes discovery service ended Jan. 22, 2025. Accessed 2026-09-28. [^3]: [Indiana Department of Insurance](https://www.in.gov/idoi/) — Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28. [^4]: [Company/Entity Financial Compliance](https://www.in.gov/idoi/companyentity-financial-compliance/) — Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28. [^5]: [Submit a Complaint Online](https://www.in.gov/idoi/consumer-services/complaints/submit-a-complaint-online/) — Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28. [^6]: [Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance](https://iga.in.gov/laws/2025/ic/titles/27#27-1-15.8-4) — Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28. [^7]: [Surplus Lines Agent Licensing](https://www.in.gov/idoi/licensing/resident-licensing/surplus-lines-agent-licensing/) — Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28. [^8]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28. [^9]: [Guaranty Funds](https://www.in.gov/idoi/consumer-services/types-of-insurance/guaranty-funds/) — Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^14]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^15]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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