--- title: "Nebraska medical malpractice insurance: qualify for the Act and fund layer" description: "Choose the statutory qualification path deliberately; Nebraska attaches filing and fund consequences to it." canonical: "https://spot.insure/coverage/medical-malpractice/nebraska" 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/nebraska) # Nebraska medical malpractice insurance: qualify for the Act and fund layer Nebraska’s Hospital-Medical Liability Act makes statutory qualification a deliberate path for physicians, CRNAs, hospitals and specified entities or successors providing physician/CRNA services. Qualifying providers file proof of $800,000 per occurrence and $3 million aggregate per named insured per policy or trust year; for occurrences after 2014, the Act caps total recovery from providers and the Excess Liability Fund at $2.25 million. The filing, named-insured structure and applicable occurrence date drive distinct decisions.[^3][^1][^2] **Coverage:** [Medical malpractice](/coverage/medical-malpractice) · [Nebraska](/coverage/states/nebraska) ## 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). ## Nebraska Requirements | Requirement | Details | | --- | --- | | Qualification and filed financial responsibility | The Act defines health care provider as a physician, certified registered nurse anesthetist, a person/entity authorized to provide professional medical services by physicians or CRNAs, a hospital, or a successor/personal representative named in the statute. A qualifying provider or specified employer/employee/partner/LLC member must file $800,000 per-occurrence and $3 million policy/trust-year aggregate proof per named insured; claims-made or occurrence form is allowed.[^3][^1] | | Act recovery cap by occurrence date | For a patient injury/death occurrence after December 31, 2014, total recovery under the Act from providers and the Excess Liability Fund is capped at $2.25 million.[^2] | ## What to Watch for in Nebraska ### Verify qualification and its filing status The Act’s provider class is physician, CRNA, physician/CRNA-authorized practice entity, hospital, and a specified successor or personal representative. Qualification requires statutory filing steps; a provider who fails to qualify remains outside the Act and subject to common-law liability, while a qualified provider is within the Act unless the patient uses the advance election-out procedure. Confirm actual filing and posted-sign duties.[^3][^1][^4] ### Check both per-occurrence and annual aggregate The required proof combines $800,000 per occurrence with $3 million aggregate per named insured for all occurrences or claims-made in a policy year. A policy may satisfy the per-occurrence figure but still need review for aggregate erosion and named-insured structure.[^1] ### Do not treat the Excess Liability Fund as the primary layer The $2.25 million post-2014 Act cap includes provider recovery and the Fund. Compare the provider’s own filed limit and ask when the Fund responds; the Act’s total cap is not the policy’s per-claim limit.[^2] ### Use occurrence date for the Act cap The statutory schedule divides total recovery by when the occurrence happened, with $2.25 million for occurrences after December 31, 2014. Preserve care and incident dates separately from claim-made and report dates.[^2] ## Who Regulates Insurance in Nebraska **Nebraska Department of Insurance.** The Nebraska Department of Insurance oversees insurers and producers and examines insurance complaints. Its online company and producer search is maintained through State Based Systems.[^5][^6][^7] - [Regulator website](https://doi.nebraska.gov/) - [License lookup](https://doi.nebraska.gov/company-and-producer-search) - [File a complaint](https://doi.nebraska.gov/consumer/file-complaint) - Phone: 877-564-7323 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium charged, less return premiums Nebraska’s 3% tax applies to gross premium charged less return premium when the risk is Nebraska’s home-state placement; fees paid to the carrier are taxable, while broker-retained or third-party fees are not. A Nebraska-licensed surplus-lines producer ordinarily must complete due diligence, while exempt-commercial-purchaser provisions permit limited exceptions; federal ECP status alone does not erase the disclosure and subsequent written-request conditions for the federal search waiver. Nebraska policies state that its Property and Liability Guaranty Association will not cover surplus-lines claims.[^8][^9][^10][^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 Nebraska; [check the regulator’s license lookup](https://doi.nebraska.gov/company-and-producer-search) 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 Nebraska 1. Has the provider qualified under the Act, and is proof filed for each named insured? 2. Does the quote meet $800,000 per occurrence and $3 million policy-year aggregate without eroding shared limits? 3. For a claim, what was the occurrence date and how do primary insurance and the Excess Liability Fund coordinate? ## Medical Malpractice in Nebraska: FAQ ### Does buying a Nebraska policy automatically qualify a provider under the Act? No. The Act’s definition covers physicians, CRNAs, specified physician/CRNA service entities, hospitals and named successors. Qualification requires filing proof and other steps; a nonqualifier remains subject to common-law liability.[^3][^1][^4] ### What does the Nebraska Excess Liability Fund do? The Fund participates in the Act’s total recovery layer above provider amounts, while the Act’s cap applies to combined recovery from providers and the Fund. Confirm the provider’s own primary limits and statutory qualification.[^2] ### Which date sets Nebraska’s total recovery cap? Section 44-2825 organizes the cap by the date of occurrence. For an occurrence after December 31, 2014, the stated Act cap is $2.25 million.[^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) - [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) - [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 Nebraska](/coverage/states/nebraska) ## Sources [^1]: [Neb. Rev. Stat. §44-2824](https://nebraskalegislature.gov/laws/statutes.php?statute=44-2824) — Nebraska Legislature; Subsection (1): qualification, $800,000 occurrence proof, $3 million policy-year aggregate per named insured and claims-made/occurrence choice. Accessed 2026-09-28. [^2]: [Neb. Rev. Stat. §44-2825](https://nebraskalegislature.gov/laws/statutes.php?statute=44-2825) — Nebraska Legislature; Subsection (1): total recovery limits by occurrence date; post-Dec. 31, 2014 $2.25 million combined provider/Fund cap. Accessed 2026-09-28. [^3]: [Neb. Rev. Stat. §44-2803](https://nebraskalegislature.gov/laws/statutes.php?statute=44-2803) — Nebraska Legislature; Definition: physician; CRNA; entities authorized to provide professional medical services by physicians/CRNAs; hospital; specified personal representative/successor; accessed 2026-09-28. Accessed 2026-09-28. [^4]: [Neb. Rev. Stat. §44-2821](https://nebraskalegislature.gov/laws/statutes.php?statute=44-2821) — Nebraska Legislature; Subsections (1)–(3): qualified-provider Act scope, nonqualifying provider outside Act/common-law liability, patient election-out and qualification sign; accessed 2026-09-28. Accessed 2026-09-28. [^5]: [Nebraska Department of Insurance](https://doi.nebraska.gov/) — Nebraska Department of Insurance; Official department homepage.. Accessed 2026-09-28. [^6]: [Company and Producer Search](https://doi.nebraska.gov/company-and-producer-search) — Nebraska Department of Insurance; Nebraska DOI’s state-specific search landing page; identifies SBS as the source for producer and company licensing records.. Accessed 2026-09-28. [^7]: [File a Complaint](https://doi.nebraska.gov/consumer/file-complaint) — Nebraska Department of Insurance; Official complaint filing page; complaint division examines complaints; toll-free hotline 877-564-7323 is in-state only.. Accessed 2026-09-28. [^8]: [Surplus Lines](https://doi.nebraska.gov/insurers/surplus-lines) — Nebraska Department of Insurance; Current page states 3% on gross premiums less return premium; carrier fees included, broker-retained/third-party fees excluded; describes due-diligence and ECP/self-procurement rules.. Accessed 2026-09-28. [^9]: [Neb. Rev. Stat. §§44-5501–44-5515](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=44-5515) — Nebraska Legislature; Surplus Lines Insurance Act; §§44-5502, 44-5509 and 44-5510 address home state, policy notice and due diligence.. Accessed 2026-09-28. [^10]: [Neb. Rev. Stat. §§44-5502, 44-5510 and 44-5515](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=44-5515) — Nebraska Legislature; ECP definition, diligent-search rules, exempt purchaser filing/tax treatment; federal ECP waiver also requires broker disclosure and subsequent purchaser written request under 15 U.S.C. §8205.. Accessed 2026-09-28. [^11]: [Neb. Rev. Stat. §44-5509](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=44-5515) — Nebraska Legislature; Required surplus-lines policy disclaimer says Nebraska Property and Liability Guaranty Association will not be liable.. 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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