--- title: "Medical malpractice insurance in New Mexico" description: "New Mexico’s 2026 occurrence definition treats separate injury-producing acts differently from an insurance policy’s own trigger." canonical: "https://spot.insure/coverage/medical-malpractice/new-mexico" 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/new-mexico) # Medical malpractice insurance in New Mexico Effective May 20, 2026, New Mexico amended the Medical Malpractice Act’s definition of an occurrence: multiple providers’ acts contributing to an injury can count together, but independent acts causing separate injuries are not limited to one maximum statutory payment. The Act also defines provider classes and separately addresses financial responsibility and Patient’s Compensation Fund payments. Its statutory occurrence and recovery rules do not define an insurance policy’s trigger or limit.[^1][^2] **Coverage:** [Medical malpractice](/coverage/medical-malpractice) · [New Mexico](/coverage/states/new-mexico) ## 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). ## What to Watch for in New Mexico ### Do not equate the legal occurrence with the policy trigger The Act’s definition applies to statutory recovery and aggregates provider acts in a course of treatment; it preserves separate maximum statutory payments for independent acts causing separate injuries. Ask the insurer how the contract aggregates claims and occurrences, because the statute does not rewrite the policy wording.[^1][^2] ### Check which claims arise on or after May 20, 2026 The final act applies to malpractice claims arising on or after its effective date, and OSI identifies May 20, 2026 for the amended occurrence definition. That is an applicability date, not a policy notice deadline. Keep treatment, claim and report dates separate when discussing a transition.[^1][^2] ### Map providers and entities to the Act’s defined classes The amended provider definition includes specified licensed or certified clinicians and certain New Mexico business entities providing care primarily through those clinicians, but excludes people or entities protected by state or federal tort-claims law. Check the actual entity and employment relationship before assuming Fund qualification or an insurance obligation.[^1] ## Who Regulates Insurance in New Mexico **New Mexico Office of Superintendent of Insurance.** New Mexico OSI licenses insurance producers and agencies, oversees insurers and reviews insurance forms and rates. Its Consumer Assistance Bureau accepts insurance complaints, including complaints involving commercial and business insurance.[^3][^4][^5][^6] - [Regulator website](https://osi.state.nm.us/en/) - [License lookup](https://www.osi.state.nm.us/en/license-status-verification/) - [File a complaint](https://osi.state.nm.us/en/complaints/) - Phone: 855-427-5674 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3.003% of taxable surplus-lines premium (verify allocation and current return instructions) New Mexico’s surplus-lines tax is listed as 3.003% of taxable premium in the state’s surplus-lines tax-return instructions; confirm current allocation and filing treatment with the New Mexico Taxation and Revenue Department because its current program page distinguishes broker-placed surplus lines from independently procured insurance. Surplus-lines coverage is issued by an unauthorized insurer and is outside ordinary state guaranty-association protection; do not treat the separate self-procured tax as the surplus-lines broker tax.[^7][^8][^9][^10] ## 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 New Mexico; [check the regulator’s license lookup](https://www.osi.state.nm.us/en/license-status-verification/) and confirm state availability for your business when requesting a quote. - [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.[^16] ## Questions to Ask Before You Buy in New Mexico 1. For a course of treatment involving multiple acts, does the policy aggregate the claim the same way the Medical Malpractice Act defines a statutory occurrence? 2. Did the malpractice claim arise on or after May 20, 2026, and what dates separately trigger the policy’s notice and reporting clauses? 3. Which clinicians and practice entities qualify under the Act, and are each separately listed or included under the policy? ## Medical Malpractice in New Mexico: FAQ ### Does New Mexico’s statutory occurrence definition set the policy limit? No. It affects statutory recovery and treatment of separate injury-producing acts. The policy’s own definition, per-claim limits, aggregates and defense terms govern insurance.[^1][^2] ### What date applies to the 2026 definition change? OSI’s April 9, 2026 bulletin says the amended definition is effective May 20, 2026, and HB 99 applies to claims arising on or after the Act’s effective date. This date is different from a policy’s claim-reporting deadline.[^1][^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) - [Nebraska](/coverage/medical-malpractice/nebraska) - [Nevada](/coverage/medical-malpractice/nevada) - [New Hampshire](/coverage/medical-malpractice/new-hampshire) - [New Jersey](/coverage/medical-malpractice/new-jersey) - [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 New Mexico](/coverage/states/new-mexico) ## Sources [^1]: [2026 House Bill 99, final enacted text](https://www.nmlegis.gov/Sessions/26%20Regular/final/HB0099.pdf) — New Mexico Legislature; Sections 1, 2, 4 and 6; final version. Accessed 2026-09-28. [^2]: [Bulletin 2026-009](https://www.osi.state.nm.us/wp-content/uploads/2026/04/Bulletin-2026-009-signed.pdf) — New Mexico Office of Superintendent of Insurance; Effective date and implementation notice for HB 99; full signed bulletin. Accessed 2026-09-28. [^3]: [Office of the Superintendent of Insurance](https://osi.state.nm.us/en/) — New Mexico Office of Superintendent of Insurance; Official OSI homepage says it licenses individuals and agencies, oversees business insurance and reviews rates/forms.. Accessed 2026-09-28. [^4]: [License Status Verification](https://osi.state.nm.us/en/license-status-verification/) — New Mexico Office of Superintendent of Insurance; Official page says OSI/NAIC public verification checks producer, adjuster, surplus-lines broker and TPA license status.. Accessed 2026-09-28. [^5]: [File a Complaint](https://osi.state.nm.us/en/complaints/) — New Mexico Office of Superintendent of Insurance; Official complaint page says OSI accepts complaints against insurers and agents; current agency page discusses complaint filing. OSI site redirects from www host, which the web verifier could not fetch.. Accessed 2026-09-28. [^6]: [Consumer Assistance](https://osi.state.nm.us/en/consumer-assistance/) — New Mexico Office of Superintendent of Insurance; Official OSI page expressly includes commercial and business insurance complaints; consumer assistance.. Accessed 2026-09-28. [^7]: [Surplus Lines Premium Tax Return (TRD-41397)](https://realfile.tax.newmexico.gov/trd-41397.pdf) — New Mexico Taxation and Revenue Department; State tax return and instructions establish 3.003% rate; accessible as an official PDF download, but its revision date is not explicit in the current web-indexed copy.. Accessed 2026-09-28. [^8]: [Insurance Premium Tax and Self-Insured Group Tax Programs](https://www.tax.newmexico.gov/businesses/insurance-premium-tax-program/) — New Mexico Taxation and Revenue Department; Current program page distinguishes surplus-lines broker premium tax from self-procured nonadmitted-insurance tax under §7-40-3(A). It does not display the surplus-lines rate.. Accessed 2026-09-28. [^9]: [NMSA 1978, Chapter 59A, Article 14, Surplus Lines Insurance](https://nmonesource.com/nmos/nmsa/en/item/4416/index.do) — New Mexico Legislature / New Mexico Compilation Commission; Surplus-lines act; insurer notice, licensing and placement provisions. Direct statute host should be checked if it changes route.. Accessed 2026-09-28. [^10]: [NMSA 1978, §59A-14-5](https://nmonesource.com/nmos/nmsa/en/item/4416/index.do) — New Mexico Legislature / New Mexico Compilation Commission; Surplus-lines policy notice describes lack of state guaranty association protection.. Accessed 2026-09-28. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/medical-malpractice/new-mexico.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)