--- title: "Kentucky Medical Malpractice Insurance Guide" description: "Eligible charitable providers and volunteers can access a state premium-payment program, but only for otherwise uninsured charitable services." canonical: "https://spot.insure/coverage/medical-malpractice/kentucky" 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/kentucky) # Kentucky Medical Malpractice Insurance Guide Kentucky requires insurers writing defined medical professional liability insurance to offer it to qualifying charitable providers and their volunteers at limits offered to other insureds; the statutory definition is limited to hands-on services provided directly to patients. The Commonwealth pays the premium only after a written application within one year after the policy expires, and services already insured elsewhere are excluded. Confirm the licensed service scope, funding tests and Cabinet registration before relying on reimbursement.[^1][^2][^3] **Coverage:** [Medical malpractice](/coverage/medical-malpractice) · [Kentucky](/coverage/states/kentucky) ## 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 Kentucky ### The state program is limited to uncovered charitable services KRS 216.940 makes eligibility service-specific: care must fall within the provider’s licensed or certified scope, carry no charge or expected compensation, and receive no government or insurer payment or reimbursement. KRS 304.40-075(1)(c) separately limits covered insurance to liability from hands-on services provided directly to patients in treatment, diagnosis, or prevention; subsection (4) also excludes charitable services already insured elsewhere. Match both the provider/service and policy to these conditions before requesting premium payment.[^1][^2] ### Build the premium request around the expiring policy The provider must apply in writing to the Department of Insurance no later than one year after the policy expires. The regulation requires the entire policy, declarations identifying insurer/effective date/policy number/premium, itemized billing and proof of payment, provider license details and the Cabinet registration. Keep these records with the policy-year file; a quote alone is not a reimbursement application.[^2][^3] ### Reimbursement does not remove underwriting duties Eligible insured providers must follow the insurer’s risk-management and loss-prevention policies. The regulation also requires prompt correction of inaccurate or changed application information and remittance of any premium refund. Ask which volunteers, employees, services and patient volume are scheduled, then keep the covered roster aligned with the filed reimbursement evidence.[^2][^3] ## Who Regulates Insurance in Kentucky **Kentucky Department of Insurance.** The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue.[^4][^5][^6] - [Regulator website](https://insurance.ky.gov/ppc/new_default.aspx) - [License lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) - [File a complaint](https://insurance.ky.gov/ppc/forms/complaints_home.aspx) - Phone: 800-595-6053 (option 1, Kentucky only) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines.[^7][^10][^8][^9][^11] ## 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 Kentucky; [check the regulator’s license lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) 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.[^14] - [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.[^18] ## Questions to Ask Before You Buy in Kentucky 1. Does each service fall within the provider’s licensed scope, involve hands-on care provided directly to patients, meet the no-charge and no-reimbursement tests, and have current Cabinet registration? 2. Is any existing policy already covering these charitable services, which would make this premium-payment program unavailable? 3. Who will submit the full policy, itemized invoice and proof of payment before the one-year deadline? 4. Does the policy clearly schedule the clinical services and follow the insurer’s risk-management conditions? ## Medical Malpractice in Kentucky: FAQ ### Is charitable-provider malpractice coverage automatically paid by Kentucky? No. The statute makes the state premium payment contingent on a written application from an eligible provider, and the provider must not already have coverage for the charitable services. The application deadline and supporting documents matter.[^1][^2][^3] ### Does the program cover a clinic’s paid services too? The program is limited to qualifying charitable services by eligible charitable providers and volunteers. The statute defines covered medical professional liability insurance as liability from hands-on services provided directly to patients; it does not establish coverage for ordinary paid or otherwise insured work. Check the policy’s named insureds and service terms.[^1][^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) - [Indiana](/coverage/medical-malpractice/indiana) - [Iowa](/coverage/medical-malpractice/iowa) - [Kansas](/coverage/medical-malpractice/kansas) - [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 Kentucky](/coverage/states/kentucky) ## Sources [^1]: [KRS 216.940: Definitions for charitable health care](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=51022) — Kentucky Legislative Research Commission; KRS 216.940(1)(a)–(b); scope-of-practice, no-charge/no-expectation, and no government or insurer payment/reimbursement definition; effective June 29, 2021. Accessed 2026-09-28. [^2]: [KRS 304.40-075: Medical malpractice insurance for charitable health care providers](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=51023) — Kentucky Legislative Research Commission; KRS 304.40-075(1)(a)–(c), (2)–(5), and (8); charitable-provider cross-reference, hands-on/direct-to-patient insurance definition, insurer availability and limit scope, premium application deadline, other-policy exclusion, registration, and breadth floor; effective June 29, 2021. Accessed 2026-09-28. [^3]: [806 KAR 40:020: Charitable health care provider registration](https://apps.legislature.ky.gov/law/kar/titles/806/040/020/) — Kentucky Legislative Research Commission; Sections 1–3: policy copy, declarations, itemized bill/payment, Cabinet registration and risk-management compliance for reimbursement. Accessed 2026-09-28. [^4]: [Kentucky Department of Insurance](https://insurance.ky.gov/ppc/new_default.aspx) — Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28. [^5]: [Insurance License Lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) — Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28. [^6]: [File an Insurance Complaint](https://insurance.ky.gov/ppc/forms/complaints_home.aspx) — Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28. [^7]: [KRS 304.10-180](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=48240) — Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28. [^8]: [Local Government Premium Taxes](https://insurance.ky.gov/ppc/new_default.aspx?divid=13) — Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28. [^9]: [KRS 304.10-090](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=16989) — Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28. [^10]: [KRS 136.392](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=50265) — Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28. [^11]: [Surplus Lines](https://insurance.ky.gov/ppc/new_default.aspx?divid=24) — Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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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