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Minnesota medical malpractice insurance: qualify for the residual market

Minnesota’s Joint Underwriting Association must provide medical-malpractice insurance to a licensed health care provider who cannot obtain it through ordinary methods, practices or provides services in Minnesota, and derives at least 60% of gross revenue from Minnesota-resident patients. The association is a residual option for qualifying risks, not a statewide purchase mandate or a substitute for comparing private terms. 1,2

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.

Minnesota Requirements

RequirementDetails
Minnesota JUA medical-malpractice eligibilityThe statute requires a licensed health care provider to be unable to obtain coverage by ordinary methods, practice or provide professional services within Minnesota, and obtain at least 60% of gross revenues from Minnesota-resident patients. 1,2

What to Watch for in Minnesota

  • Calculate the 60% threshold from patient residence

    The statute measures gross revenue from patients who are Minnesota residents, not simply where the office or billing entity is located. Document revenue and patient-residence methodology before applying. 1

  • Ordinary-market unavailability is a separate gate

    The JUA is for providers unable to obtain coverage through ordinary methods. General residual-market rules reject mere prudent practice or desire as enough, so retain declinations and market-search material. 1

  • Confirm licensed provider and Minnesota services

    Eligibility turns on licensed health care provider status plus Minnesota practice/services. The statute excludes services relying solely on spiritual or divine intervention from its defined professional services. 1,2

  • Use the market-assistance step early

    Minnesota defines a JUA market-assistance coordinator as helping an applicant obtain private-market coverage. Ask the association about that support and compare any private offer before selecting residual terms. 2

Who Regulates Insurance in Minnesota

Minnesota Department of Commerce

The Minnesota Department of Commerce regulates insurance companies and producers, reviews rates and forms, and investigates complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of taxable gross premiums less return premiums, plus a 0.04% stamping fee on taxable premium when Minnesota is the insured's home state When Minnesota is the insured's home state, 3% tax applies to taxable gross premiums less return premiums; the separate 0.04% stamping fee on taxable premium is paid by you to the broker. Minnesota requires a policy warning that insolvency loss payment by a nonadmitted insurer is not guaranteed. A diligent search generally applies unless a Minnesota-licensed producer unaffiliated with the surplus-lines broker refers the risk, which the statute deems unavailable from a licensed insurer; an exempt commercial purchaser also has a separate written-request route after the required admitted-market disclosure. 6,9,7,8,10

Minnesota Surplus Lines Association

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 the product is available in Minnesota. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. 13
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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 Minnesota

  1. Can you document that ordinary-market coverage was unavailable?
  2. What share of gross revenue came from patients who were Minnesota residents?
  3. Which clinicians/entities are licensed providers delivering professional services in Minnesota, and what terms differ from private alternatives?

Medical Malpractice in Minnesota: FAQ

Does Minnesota require all health care providers to buy malpractice insurance? 1

The cited law establishes conditional JUA access for specified providers who cannot obtain ordinary-market coverage; it does not say all providers must buy a policy. 1

How does the Minnesota JUA’s 60% test work? 1

A qualifying provider must receive at least 60% of gross revenues from patients who are residents of Minnesota, in addition to the licensing, in-state services and ordinary-market unavailability conditions. 1

What is Minnesota’s JUA? 1,2

It is a residual insurance association that includes the prior medical-malpractice JUA’s duties and responsibilities; Minnesota defines a market-assistance coordinator to help applicants seek private coverage. 1,2

Medical Malpractice in Other States

Other Coverage in Minnesota

Sources

  1. Minnesota Statutes §62I.02. Minnesota Revisor of Statutes; 2025 official edition, subd. 1: ordinary-method/public-purpose threshold and specific medical-malpractice 60% resident-revenue eligibility. Accessed 2026-09-28.
  2. Minnesota Statutes §62I.03. Minnesota Revisor of Statutes; 2025 official edition, subds. 2, 5a, 8: prior Medical Malpractice JUA duties, market-assistance coordinator and professional-services scope. Accessed 2026-09-28.
  3. Insurance. Insurance; Insurance regulator and consumer resources. Accessed 2026-09-28.
  4. Insurance License Lookup. Insurance; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Insurance; Insurance complaint topic; filing portal, complaints line, email contact. Accessed 2026-09-28.
  6. Minn. Stat. §297I.05. Minnesota Revisor of Statutes; 3% on gross premiums less return premiums when Minnesota is insured's home state; 100% taxable in Minnesota. Accessed 2026-09-28.
  7. Instructions for 2026 Semiannual Stamping Fee Report. Minnesota Surplus Lines Association; 2026 report p.1, lines 82–94: stamping fee rate .0004 (0.04%) of policy premium for transactions effective on or after October 1, 2016; current report linked from the association's 2026 site. Accessed 2026-09-28.
  8. Minn. Stat. §60A.207. Minnesota Revisor of Statutes; 2025 text, lines 250–255: policy notice states insurer is not otherwise licensed in Minnesota and insolvency loss payment is not guaranteed. Accessed 2026-09-28.
  9. Minn. Stat. §297I.01. Minnesota Revisor of Statutes; Definition of gross premiums for nonadmitted insurance includes fees, assessments and other consideration, with stamping fee and operating assessment exclusions. Accessed 2026-09-28.
  10. Minnesota Statutes 2025, §60A.201. Minnesota Revisor of Statutes; 2025 Minn. Stat. §60A.201 subd.1 (admitted-market restriction); subd.5 (ECP disclosure and subsequent written request); subd.6 (risk referred by unaffiliated Minnesota-licensed producer deemed unavailable). Amendments listed through 2025. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. Licenses and Carriers. 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.
  13. Insurance Producer 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.
  14. About Hiscox US 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.
  15. 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.
  16. Insurance Licenses by State. 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. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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