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Nevada medical malpractice insurance: match provider scope and injury-year cap

Nevada’s 2026 noneconomic-damages cap is $590,000 for professional-negligence injury or death claims against a statutory health care provider, and the Supreme Court publishes the amount by year. The provider definition includes many licensed clinicians and specified practice entities, so match every insured to the definition and compare policy limits separately from the damages cap. 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.

Nevada Requirements

RequirementDetails
2026 noneconomic damages capThe Nevada Supreme Court’s current table lists $590,000 for 2026. NRS 41A.035 increases the base cap by $80,000 each January 1 from 2024 through 2028, then 2.1% annually beginning in 2029. 1,2

What to Watch for in Nevada

  • Check each professional and entity against §41A.017

    The statutory definition lists professions, hospitals, clinics, surgery centers, physician corporations and group practices and their employees; a policy schedule should identify the clinicians and entities separately. 1

  • Use the Supreme Court’s injury-year table

    The Legislature directs the Nevada Supreme Court to publish the maximum amount for each year. The court lists $590,000 for 2026; do not carry a prior year’s figure into a later injury year. 1,2

  • Keep the damages cap separate from contract limits

    The cap concerns noneconomic damages in defined professional-negligence actions, not the policy’s occurrence limit, defense-cost treatment, exclusions or insured status. Compare those terms in the contract. 1

  • Budget for carrier participation in settlement

    Nevada requires insurers to attend professional-negligence settlement conferences with the parties and counsel; the statute also allows a judge to recommend a settlement at policy limits. Confirm claims contacts and authority in advance. 1

Who Regulates Insurance in Nevada

Nevada Division of Insurance

The Nevada Division of Insurance regulates insurers and producers and provides a license verification tool for agents, agencies and companies. Its Consumer Services unit accepts insurance complaints and questions. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: Same tax rate as admitted coverage of the same kind; an approved filing fee may also apply When Nevada is the insured’s home state, Nevada taxes surplus-lines coverage at the rate imposed on similar admitted coverage and adds any approved filing fee; the rate therefore depends on the line and applicable fee approval. Nevada law requires a diligent effort to place coverage with authorized insurers except where the statutory exempt-commercial-purchaser conditions apply, and the policy must warn that the Nevada Insurance Guaranty Association will not cover the contract. 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 the product is available in Nevada. 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. 12
  • 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. 16

Questions to Ask Before You Buy in Nevada

  1. Which people and entities insured under the quote fit the current §41A.017 provider definition?
  2. What policy occurrence limit and defense treatment protect amounts beyond the state’s noneconomic cap?
  3. Who at the insurer will attend a Nevada settlement conference and handle a policy-limits recommendation?

Medical Malpractice in Nevada: FAQ

What is Nevada’s 2026 noneconomic damages cap? 1,2

The Nevada Supreme Court lists $590,000 for 2026. It is a cap on noneconomic damages in covered provider-negligence actions, not a malpractice policy limit. 1,2

Does Nevada’s professional-negligence chapter cover only physicians? 1

No. Section 41A.017 lists many licensed professions and certain facilities and practice entities. Confirm the status of each named insured under that definition. 1

Does Nevada require the insurer to take part in settlement proceedings? 1

The statute requires the parties, their insurers and counsel to participate in a settlement conference in a professional-negligence action, subject to a judge’s ability to waive attendance for good cause. 1

Medical Malpractice in Other States

Other Coverage in Nevada

Sources

  1. Nevada Revised Statutes Chapter 41A. Nevada Legislature; Rev. Apr. 15, 2026: §§41A.017 and .035 provider classes/cap progression; §41A.081 insurer settlement conference participation. Accessed 2026-09-28.
  2. Annual §41A.035 cap table. Supreme Court of Nevada; Current published cap schedule: 2026 amount $590,000. Accessed 2026-09-28.
  3. Nevada Division of Insurance. Nevada Division of Insurance; Official regulator homepage; current page describes insurance oversight and consumer services. Accessed 2026-09-28.
  4. Verify a License. Nevada Division of Insurance; Official Verify a License destination (redirects to di.nv.gov licensing search); regulator materials identify agent/company license verification there. Accessed 2026-09-28.
  5. File a Complaint. Nevada Division of Insurance; Official consumer complaint destination; Division Consumer Services handles insurance complaints; toll-free 888-872-3234. Accessed 2026-09-28.
  6. NRS Chapter 685A, Nonadmitted Insurance. Nevada Legislature; Current codification, revised April 15, 2026; §685A.130 diligent effort/exempt purchaser provisions; §685A.155 broker fees. Accessed 2026-09-28.
  7. NRS §685A.175. Nevada Legislature; Current codification says Nevada-home-state surplus-lines premium tax equals the rate on similar admitted coverage and includes fees imposed under §685A.075. Accessed 2026-09-28.
  8. NRS §§685A.032, 685A.130. Nevada Legislature; Defines exempt commercial purchaser and sets placement/search provisions; assess full statutory criteria before treating a placement as exempt. Accessed 2026-09-28.
  9. NRS §685A.090. Nevada Legislature; Mandated policy text says a claim under the nonadmitted contract is not covered by the Nevada Insurance Guaranty Association Act. Accessed 2026-09-28.
  10. 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. 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. 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. 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. 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. 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.
  16. 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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