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New Hampshire medical malpractice insurance: track reserve reports and current claim process

New Hampshire requires an insurer or self-insurer covering a Board-licensed physician to report reservable claims coincident with medical injury, including out-of-state medical injuries, within 30 days after establishing a reserve. A separate 2023 law repealed the medical-injury screening-panel chapter effective July 1, 2023. Keep reserve, claim, notice and disposition dates distinct when changing carriers. 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.

New Hampshire Requirements

RequirementDetails
Insurer report after reserve establishmentAn insurer, including a self-insurer, providing professional-liability insurance to a physician Board licensee reports all reservable claims coincident with medical injury in any state within 30 days after establishing the reserve. 1

What to Watch for in New Hampshire

  • Calendar reserve establishment separately

    The New Hampshire reporting clock begins when the insurer establishes a reserve, not when care occurred, a claim was first received, or a matter settled. Ask the carrier which matters were reported and on what date. 1

  • The reportable medical-injury definition is broad

    The statute includes adverse outcomes arising in professional services from negligence, error, omission, no informed consent, warranty/contract, failure to diagnose, premature abandonment and equipment failures. Do not assume only paid malpractice suits count. 1

  • Out-of-state matters may still be reportable

    Section 329:17 covers reservable claims coincident with medical injury that take place in New Hampshire or another state for a physician Board licensee. Confirm the carrier’s reporting ledger across state lines. 1

  • Do not plan around the repealed screening-panel chapter

    New Hampshire repealed RSA 519-B effective July 1, 2023. Older references to a statutory medical-injury screening panel should not drive a current claim calendar. 2

Who Regulates Insurance in New Hampshire

New Hampshire Insurance Department

The New Hampshire Insurance Department licenses insurance producers and insurers, oversees insurance markets and investigates complaints concerning entities within the Commissioner’s authority. Its consumer services line is 800-852-3416. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% on the New Hampshire allocation; other-state allocations use those states’ rates and fees New Hampshire charges 3% on gross premium allocated to New Hampshire; for multistate coverage, premium allocated elsewhere is taxed at the rates and fees applicable in those jurisdictions, less qualifying returned premium. The policy notice states that the New Hampshire Guaranty Association will not be liable for surplus-lines policies; placement ordinarily requires proof that admitted coverage cannot be obtained. 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 New Hampshire. 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 New Hampshire

  1. Is the insured a physician licensed by the New Hampshire Board, and does the carrier include self-insured arrangements?
  2. For every reservable matter, when did the carrier establish its reserve and submit its Board report?
  3. Does the policy’s claim/report definition require earlier notice than the state’s 30-day reserve-reporting duty?

Medical Malpractice in New Hampshire: FAQ

When must the insurer report a New Hampshire physician claim? 1

Within 30 days after establishing a reserve for a reservable claim coincident with medical injury. The statute covers medical injury in New Hampshire or another state. 1

Does New Hampshire report only paid malpractice settlements? 1

No. The insurer’s rule covers reservable claims, and medical injury is defined broadly. The separate court-clerk report concerns filing and final disposition of an action. 1

Is the medical injury screening panel still required? 2

No. 2023 Session Law chapter 97 repealed RSA 519-B effective July 1, 2023. 2

Medical Malpractice in Other States

Other Coverage in New Hampshire

Sources

  1. New Hampshire RSA 329:17. New Hampshire General Court; Paragraphs I–II: clerk action reports, insurer/self-insurer reserve trigger, 30-day deadline and medical-injury definition; history through 2024. Accessed 2026-09-28.
  2. 2023 Session Law chapter 97, SB 65. New Hampshire General Court; Sections 97:1–97:2: repeal of RSA 519-B, approved June 20, 2023, effective July 1, 2023. Accessed 2026-09-28.
  3. New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
  4. New Hampshire State License Division Information. Sircon (state-designated licensing service); State-specific Sircon page identifies NH Insurance Department Licensing Division and license services, but does not expose an unambiguous public producer/company search link. Public lookup destination remains an evidence gap; do not claim this route is the public license search. Accessed 2026-09-28.
  5. Consumer Complaint Form. New Hampshire Insurance Department; Official NHID fillable complaint form covers property/casualty including commercial; the official complaint process and 800-852-3416 are confirmed by Ins 102.08 at the source below. PDF endpoint returns HTTP 403 to this verifier, so retain it as a documented access limitation. Accessed 2026-09-28.
  6. Insurance Department Rules. New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details. Accessed 2026-09-28.
  7. RSA 405-B:4, Single Home State Rate; Surplus Lines. New Hampshire General Court; Official statute: 3% on NH-allocated gross premium and other-state rates/fees on out-of-state allocations, less specified returned NH premium. Accessed 2026-09-28.
  8. RSA 405:24, Applicability; Issue. New Hampshire General Court; Required nonadmitted surplus-lines policy notice and eligible insurer/placement provisions; surplus lines are not subject to ordinary admitted-insurer regulation. Accessed 2026-09-28.
  9. RSA 405:24. New Hampshire General Court; Subsection III limits licensed surplus-lines placement to amounts not obtainable from an admitted company. 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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