What Medical Malpractice Insurance Requirements Apply in New Jersey?

New Jersey statute requires a physician who maintains a professional medical practice in the state and is responsible for patient care to carry $1 million per occurrence and $3 million per policy year from an authorized carrier. If a claims-made renewal drops the old retroactive date, the statute calls for extended reporting coverage; a letter of credit is a narrower fallback only when liability coverage is unavailable. The statute’s text addresses physicians, so other clinicians and facilities should confirm their own contractual or licensing requirements separately.

What Is Medical Malpractice Insurance?

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.

What to Watch for With Medical Malpractice in New Jersey

Check who is responsible for patient care
The statutory trigger is a physician maintaining a New Jersey medical practice and responsible for patient care. It does not establish the same mandate for every clinician or facility. Map the named individuals and entities to separate licensing, employment and facility rules before treating a group policy as sufficient. ¹
Keep the retroactive date continuous
When a claims-made policy renews without its existing retroactive date, the statute requires extended reporting coverage. Compare the expiring and replacement declarations before binding; do not assume a new policy automatically preserves prior acts. ¹
Do not treat a letter of credit as insurance
The state Insurance Department’s list notes that some listed companies write only podiatrists, facilities or hospitals, and says its contact details are informational. Treat it as a starting point rather than proof of a current quote; ask the insurer to confirm the specialty, insured entity and policy scope. ^2,¹

Which Medical Malpractice Providers Have New Jersey License Records?

These providers publish a national listing for Medical malpractice; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in New Jersey. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹²
Corgi markets medical malpractice insurance for health care professionals and organizations.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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. ¹⁷
Vouch arranges medical malpractice insurance for health care and life sciences businesses.

Who Regulates Insurance in New Jersey?

New Jersey Department of Banking and Insurance

New Jersey DOBI licenses insurers and producers, reviews insurance products and rates, monitors insurer solvency and responds to insurance complaints. The Property and Casualty unit regulates commercial and personal property and casualty rates, rules and forms. ^3,^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-446-7467

Surplus-Lines Tax and Stamping Office in New Jersey

Reported tax rate. 5% of gross premium, less return premium ^7,^8,⁹

New Jersey’s Department of Banking and Insurance states a 5% surplus-lines tax for policies effective on or after July 1, 2009; its FAQ also describes direct-procurement tax filing for premium allocated to New Jersey. A New Jersey surplus-lines producer generally must make a diligent effort to place the risk with authorized insurers, subject to the exportable-list and other statutory exceptions. New Jersey’s separate surplus-lines guaranty fund has narrow coverage; ordinary commercial surplus-lines claims are generally outside guaranty protection.

Questions to Ask Before You Buy Medical Malpractice in New Jersey

Which physicians have patient-care responsibility and are named insureds, including locums and owners?
Does the renewal retain the expiring policy’s retroactive date, or is extended reporting coverage needed?
If a carrier is proposed, is it currently authorized for this line in New Jersey and willing to write this specialty and entity?

Medical Malpractice Insurance in New Jersey: FAQ

Does New Jersey require every health professional to buy malpractice insurance?

The cited statute requires coverage for a physician who maintains a professional medical practice in New Jersey and is responsible for patient care. It does not establish a blanket requirement for every health profession or facility. ¹

What minimums does the physician statute specify?

It states $1 million per occurrence and $3 million per policy year. Those are statutory minimums for the covered physician, not a promise that a policy covers every service or entity. ¹

Sources for Medical Malpractice Insurance in New Jersey

1
P.L. 2004, c. 17, §25 (N.J.S.A. 45:9-19.17). New Jersey Legislature; Section 25, C.45:9-19.17; official enacted chapter, lines 256–263. Accessed 2026-09-28.
2
Medical Malpractice Insurance Information for Health Care Providers. New Jersey Department of Banking and Insurance; Official insurer list; see entries limited to podiatrists, facilities and hospital risks; the page says addresses/phones are informational and directs readers to a broker. Accessed 2026-09-28.
3
New Jersey Department of Banking and Insurance. New Jersey Department of Banking and Insurance; Official regulator homepage. Accessed 2026-09-28.
4
Division of Insurance. New Jersey Department of Banking and Insurance; States that Division issues insurer/producer licenses, reviews products and rates, monitors solvency and responds to consumer concerns. Accessed 2026-09-28.
5
Insurance Licensing and Education. New Jersey Department of Banking and Insurance; Official producer licensing page links to NJDOBI Licensee Search and SBS Licensee Search. Accessed 2026-09-28.
6
Consumer Information. New Jersey Department of Banking and Insurance; Official consumer assistance/complaints destination; DOBI hotline 800-446-7467. Accessed 2026-09-28.
7
Surplus Lines FAQs. New Jersey Department of Banking and Insurance; Current DOBI FAQ states 5% on policies effective on/after July 1, 2009 and identifies direct-procurement filing when NJ receives an out-of-state surplus-lines premium allocation. Accessed 2026-09-28.
8
N.J.A.C. 11:1-33.3, Surplus Lines Procurement Requirements. New Jersey Department of Banking and Insurance; Rule requires diligent effort to place with authorized insurer except coverages on Exportable List. Accessed 2026-09-28.
9
Surplus Lines Tax Q&A. New Jersey Department of Banking and Insurance; DOBI FAQ states Surplus Lines Guaranty Fund covers medical malpractice liability and property covering owner-occupied dwellings under four units; this is narrow and not ordinary business coverage. 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
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
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.

What Medical Malpractice Insurance Requirements Apply in New Jersey?

What Is Medical Malpractice Insurance?

What to Watch for With Medical Malpractice in New Jersey

Check who is responsible for patient care

Keep the retroactive date continuous

Do not treat a letter of credit as insurance

Which Medical Malpractice Providers Have New Jersey License Records?

Corgi

Vouch