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Medical malpractice insurance in North Carolina

North Carolina’s physician-board statute distinguishes an individual licensee from the insurer. A licensee without professional liability insurance, or insured by an entity not owned and operated within North Carolina, must report an award or settlement affecting practice within 30 days; insurers and specified funds have their own Board-reporting duties. This is a licensing report, not a claim-notice deadline in the policy. 1

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.

What to Watch for in North Carolina

  • Identify who has the Board reporting duty

    For an Article 1 physician licensee, the statute places the 30-day individual report on an uninsured licensee or one whose liability insurer is not owned and operated within North Carolina. Insurers and certain trust funds separately report covered settlements, judgments and for-cause cancellation or nonrenewal. Confirm your reporting path instead of assuming the carrier handles it. 1

  • Keep licensing reports separate from policy notice

    The 30 days run from the award or settlement for a report to the Medical Board. They do not extend or replace the contract’s notice, cooperation or consent-to-settle terms. Follow the insurer’s policy deadlines when a claim or incident arises. 1

  • Track the separate applicant/licensee report

    G.S. 90-5.3 separately requires applicants and licensees to report every malpractice judgment or award, plus single or aggregated settlements of at least $75,000 for incidents on or after May 1, 2008. It includes payments from personal funds and calls for incident date, place and specialty. Maintain this history even when the insurer also reports under §90-14.13. 2

Who Regulates Insurance in North Carolina

North Carolina Department of Insurance

The North Carolina Department of Insurance administers insurance laws, licenses insurance producers and companies, reviews insurance filings and handles consumer complaints. The Commissioner is elected statewide. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium, less return premium, plus 0.4% NC Stamping Office fee for ordinary filed placements When North Carolina is the insured’s home state, surplus-lines tax is 5% of gross premium less return premium; ordinary broker-placed filings also carry a 0.4% stamping fee, while risk-purchasing-group and independent-procurement filings follow separate procedures. A diligent search is generally required; an exempt commercial purchaser may bypass it only after the broker discloses the admitted-market protection difference and receives the purchaser’s subsequent written request. The policy warns that the state guaranty or solvency fund will not pay surplus-lines losses. 7,8,9,10

North Carolina Surplus Lines Association / NC Stamping Office

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 North Carolina. 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. 13
  • 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. 17

Questions to Ask Before You Buy in North Carolina

  1. Is the named liability insurer owned and operated in North Carolina, and which individual has a report obligation under §90-14.13(b)?
  2. Who reports under §90-14.13 after award or settlement, and has the licensee separately disclosed reportable judgments or settlements under §90-5.3?
  3. What policy notice trigger applies before the Board’s separate 30-day reporting clock starts?

Medical Malpractice in North Carolina: FAQ

Does the 30-day Board report require a physician to buy insurance? 1

No. Section 90-14.13(b) distinguishes uninsured licensees and those insured by an entity not owned and operated in North Carolina; it assigns those licensees an award/settlement report. It is not itself a universal purchase mandate. 1

Is the Board’s 30-day deadline the carrier’s claim notice period? 1,2

No. Section 90-14.13 is a Board report due after an award or settlement; §90-5.3 independently requires the licensee/applicant to report malpractice judgments or awards and certain settlements. Neither substitutes for policy-specific notice to the carrier. 1,2

Medical Malpractice in Other States

Other Coverage in North Carolina

Sources

  1. G.S. 90-14.13. North Carolina General Assembly; Subsections (b)–(c), insurer and licensee reporting; current official PDF. Accessed 2026-09-28.
  2. G.S. 90-5.3, Reporting and publication of medical judgments, awards, payments, and settlements. North Carolina General Assembly; Subsections (a)–(d); current page includes amendments through Session Law 2025-25. Accessed 2026-09-28.
  3. North Carolina Department of Insurance. North Carolina Department of Insurance; Official department homepage. Accessed 2026-09-28.
  4. Insurance Producer and Adjuster Licensing. North Carolina Department of Insurance; Official licensing landing page provides license status lookup, producer licensing and SBS resources. Accessed 2026-09-28.
  5. File a Complaint. North Carolina Department of Insurance; Official insurance complaint form and consumer assistance page; toll-free line 855-408-1212. Accessed 2026-09-28.
  6. Commissioner of Insurance. North Carolina Department of Insurance; Official commissioner biography says officeholder was elected statewide. Accessed 2026-09-28.
  7. N.C. Gen. Stat. §58-21-85. North Carolina General Assembly; 5% tax on gross premiums less returns when insured’s home state is North Carolina; treatment of reciprocal allocation also provided. Accessed 2026-09-28.
  8. Surplus Lines. North Carolina Department of Insurance; Current DOI surplus-lines page identifies NC Stamping Office; states a 0.4% fee for ordinary new/renewal filings; excludes RRG and independent procurement. Accessed 2026-09-28.
  9. N.C. Gen. Stat. §58-21-16. North Carolina General Assembly; ECP diligent-search waiver requires broker disclosure that admitted insurance may provide greater protection and purchaser subsequent written request; ECP definition appears in subsection (b). Accessed 2026-09-28.
  10. Surplus Lines. North Carolina Department of Insurance; Required surplus-lines policy language says state guaranty or solvency fund will not pay losses on policy. Accessed 2026-09-28.
  11. 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. 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. 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.
  14. 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.
  15. 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.
  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.

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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