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Medical malpractice insurance in Ohio

Ohio Revised Code §4731.143 does not require every covered physician, osteopathic physician or podiatrist to buy malpractice insurance; a licensee without it must provide a separate written disclosure before nonemergency professional services, subject to statutory exceptions. The same chapter’s notice is about lack of coverage, not what an insured policy covers. 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 Ohio

  • Check the notice rule’s licensed professions

    Section 4731.143 applies to holders of licenses authorizing medicine and surgery, osteopathic medicine and surgery, or podiatric medicine and surgery. Other practitioners and facilities may face separate requirements; do not expand this notice rule to every provider. 1

  • Record the disclosure before nonemergency care

    Section 4731.143’s no-notice route is tied to the volunteer conditions in §2305.234(B)(2), not charity work generally. It concerns an indigent, uninsured patient and requires a pre-care capacity/voluntariness check, disclosure of the statutory effect, and a signed waiver that states in conspicuous type that the patient cannot bring the specified civil claim except for willful or wanton misconduct. The code defines a volunteer as giving care without expected or received compensation. Confirm these conditions fit the service before relying on the exception. 1,3

  • Treat statutory damages separately from limits

    Ohio’s medical-claim damages rules address what may be recovered in court and contain claim-specific distinctions. They do not state that an insurer will pay a particular amount. Set limits from the practice’s risk and contract terms, not by copying a statutory damages number. 2

Who Regulates Insurance in Ohio

Ohio Department of Insurance

ODI licenses insurance agents and agencies and provides a public agent and company locator. Its consumer complaint form accepts insurance complaints and lets you identify an agent or company. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium, net of return premiums For Ohio-home-state surplus-lines placements, Ohio sets a 5% tax on gross premiums after returned premiums and requires the surplus-lines broker to collect it when the policy is delivered. A diligent search usually applies; a qualifying exempt commercial purchaser may request nonadmitted placement in writing after disclosure that authorized-market coverage may offer greater protection, and the policy requires a signed notice of no Ohio guaranty-association benefits. 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 Ohio. 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. 17

Questions to Ask Before You Buy in Ohio

  1. Does the license holder fall in one of §4731.143’s named professions, and if uninsured, who delivers and retains the required page?
  2. Does the specific service qualify for an exception to the disclosure requirement?
  3. Do policy limits apply separately or jointly to the practitioner, employer and facility, and are defense costs inside or outside those limits?

Medical Malpractice in Ohio: FAQ

Does Ohio require those licensees to purchase insurance? 1

Section 4731.143 addresses a licensee who is not covered by malpractice insurance and requires prior written disclosure before nonemergency professional services, subject to statutory exceptions. It is not phrased as a universal insurance purchase mandate. 1

Do Ohio damages limits define the policy limit? 2

No. Section 2323.43 concerns compensatory damages in specified claims. A policy’s limit, insured parties, exclusions and defense provisions come from its contract. 2

Medical Malpractice in Other States

Other Coverage in Ohio

Sources

  1. Ohio Revised Code §4731.143. Ohio Laws, Legislative Service Commission; Subsections (A)–(C), notice before nonemergency services and exceptions; effective September 29, 2017. Accessed 2026-09-28.
  2. Ohio Revised Code §2323.43. Ohio Laws, Legislative Service Commission; Subsection (A), applicable claim types and damages treatment; current official section. Accessed 2026-09-28.
  3. Ohio Revised Code §2305.234. Ohio Laws, Legislative Service Commission; Subsection (B)(2)–(3), volunteer care and written waiver conditions; effective April 9, 2025. Accessed 2026-09-28.
  4. ohio insurance regulator. State insurance regulator; Official regulator home page and consumer/industry navigation. Accessed 2026-09-28.
  5. Ohio Department of Insurance Agent / Agency Locator. State insurance regulator; Public search fields for agent and agency name, NPN, license number, city, ZIP, residency, and license type. Accessed 2026-09-28.
  6. Ohio Department of Insurance Consumer Complaints Form. State insurance regulator; Online complaint form collects insurer, coverage, agent, issue, and supporting documents; page warns submissions may be public records. Accessed 2026-09-28.
  7. Ohio Revised Code §3905.36. Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery. Accessed 2026-09-28.
  8. Ohio Revised Code §3905.38. Ohio Laws; Division A: Chapter 3905 rules do not apply when Ohio is not insured's home state. Accessed 2026-09-28.
  9. Ohio Revised Code §3905.33. Ohio Laws; Divisions (B)(1), (B)(4): five-market diligence and ECP disclosure/written request; division (C): signed notice of no Ohio Insurance Guaranty Association benefits. 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.

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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