--- title: "Medical Malpractice Insurance in Rhode Island" description: "Rhode Island sets malpractice minimums for facilities and active medical or dental professionals, with defined alternative coverage routes." canonical: "https://spot.insure/coverage/medical-malpractice/rhode-island" page-type: "coverage-state-guide" updated-at: "2026-09-28" coverage-line: "medical-malpractice" state: "rhode-island" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/rhode-island) ## Agent Guide **What this page is:** Medical Malpractice guide for Rhode Island: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering medical malpractice questions specific to Rhode Island. For the general concept, use /coverage/medical-malpractice; for other coverage in Rhode Island, use /coverage/states/rhode-island. **Questions this page answers:** - Do I need medical malpractice in Rhode Island? - What are Rhode Island's medical malpractice requirements? - Who regulates insurance in Rhode Island? - Which providers hold Rhode Island licenses for medical malpractice? **Key facts:** - State regulator: Rhode Island Department of Business Regulation, Insurance Division. - Reported surplus-lines tax rate: 4% - 2 providers listed with Rhode Island license records. **Limits (do not over-claim):** - State information reflects the cited sources at their access dates; confirm current requirements with the state regulator. - A provider's presence in the license list does not confirm the product is available in this state; absence does not mean unlicensed. Verify with the regulator's license lookup. - Some license records rely on company-reported information rather than independent regulator verification. - Informational only; does not determine whether a policy meets a specific business's needs. **Provenance:** 13 numbered sources with access dates; updated 2026-09-28. **Related pages:** - [Medical Malpractice (national guide)](https://spot.insure/coverage/medical-malpractice) — national concept guide - [Business insurance in Rhode Island](https://spot.insure/coverage/states/rhode-island) — state hub: regulator and other coverage - [Business insurance by state](https://spot.insure/coverage/states) — all states - [Corgi](https://spot.insure/insurance-providers/corgi) — provider with state license record - [Vouch](https://spot.insure/insurance-providers/vouch) — provider with state license record # What Medical Malpractice Insurance Requirements Apply in Rhode Island? Rhode Island’s active medical-malpractice regulation requires licensed health-care facilities and active medical or dental professionals to carry at least $1 million for claims from the same professional service and $3 million in the aggregate. It permits specified compliant indemnification programs or Department-approved self-insurers; licensed insurers and approved surplus-lines insurers are also recognized. A separate physician licensing rule requires coverage before seeing patients and proof on request.[^1][^2] **Coverage:** [Medical malpractice](https://spot.insure/coverage/medical-malpractice) · [Rhode Island](https://spot.insure/coverage/states/rhode-island) ## 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](https://spot.insure/coverage/medical-malpractice). ## What to Watch for With Medical Malpractice in Rhode Island ### Confirm both individual and facility treatment The minimum rule names healthcare facilities and active medical or dental professionals, and its limits apply to claims from the same professional service and in aggregate. Ask whether the facility’s form also covers each active professional, or whether an approved individual/employer program supplies that layer.[^1] ### Check approval for a nonstandard funding route The regulation recognizes a licensed insurer, surplus-lines insurer, Department-authorized self-insurer or a compliant indemnification program. Verify the specific approval or statutory program before treating an employer promise or reserve as compliant coverage.[^1] ### Keep proof available and prevent lapses Rhode Island’s physician rule says coverage must be obtained and sustained before patient care and proof supplied to the Board on request. Track renewals and transitions at the individual physician level; a facility policy’s existence alone does not prove the physician is included.[^2][^1] ## Who Regulates Insurance in Rhode Island? **Rhode Island Department of Business Regulation, Insurance Division.** The DBR Insurance Division provides an online public verification service for producers, adjusters, surplus-lines brokers, and other licensees, and accepts insurance complaints online. Contact the Division for help determining whether it has authority over a particular policy or dispute.[^3][^4][^5] - [Regulator website](https://dbr.ri.gov/insurance-overview) - [License lookup](https://dbr.ri.gov/insurance-banking-securities-and-charitable-organizations/insurance/consumers/license-status) - [File a complaint](https://dbr.ri.gov/insurance/consumers) ### Surplus-Lines Tax and Stamping Office in Rhode Island **Reported tax rate:** 4% of net taxable premium; 2018 filing guide excludes listed broker, carrier and inspection fees Rhode Island’s 2024 return applies 4% to net taxable premium (gross premium less returned premium); its 2018 filing guide excludes broker, carrier, and inspection fees from the base. Confirm fee treatment with the Division of Taxation if your bill separates those charges, because no newer official fee-base guidance was located.[^6][^7] ## Which Medical Malpractice Providers Have Rhode Island 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 that the product is available in Rhode Island; [check the regulator’s license lookup](https://dbr.ri.gov/insurance-banking-securities-and-charitable-organizations/insurance/consumers/license-status) and confirm state availability for your business when requesting a quote. - [Corgi](https://spot.insure/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** 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.[^10] **Coverage membership:** Corgi markets medical malpractice insurance for health care professionals and organizations. - [Vouch](https://spot.insure/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Covers:** 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.[^13] **Coverage membership:** Vouch arranges medical malpractice insurance for health care and life sciences businesses. ## Questions to Ask Before You Buy Medical Malpractice in Rhode Island 1. Are the named insureds all active medical or dental professionals and licensed facilities covered by the selected arrangement? 2. If using self-insurance or indemnification, what Department approval or statutory program documentation supports it? 3. Does the policy satisfy the same-service and aggregate minimums and remain in force before the physician sees patients? ## Medical Malpractice Insurance in Rhode Island: FAQ ### What minimum limits does the Rhode Island regulation require? It specifies $1 million for claims arising out of the same professional service and $3 million in the aggregate for the covered healthcare facilities and active medical or dental professionals.[^1] ### Can employer coverage satisfy a physician’s requirement? Rhode Island’s regulation allows professionals to use certain compliant indemnification programs or Department-approved self-insured entities. Confirm that the specific arrangement qualifies and includes that physician.[^1][^2] ## Medical Malpractice Insurance Guides for Other States - [Alabama](https://spot.insure/coverage/medical-malpractice/alabama) - [Alaska](https://spot.insure/coverage/medical-malpractice/alaska) - [Arizona](https://spot.insure/coverage/medical-malpractice/arizona) - [Arkansas](https://spot.insure/coverage/medical-malpractice/arkansas) - [California](https://spot.insure/coverage/medical-malpractice/california) - [Colorado](https://spot.insure/coverage/medical-malpractice/colorado) - [Connecticut](https://spot.insure/coverage/medical-malpractice/connecticut) - [Delaware](https://spot.insure/coverage/medical-malpractice/delaware) - [District of Columbia](https://spot.insure/coverage/medical-malpractice/district-of-columbia) - [Florida](https://spot.insure/coverage/medical-malpractice/florida) - [Georgia](https://spot.insure/coverage/medical-malpractice/georgia) - [Hawaii](https://spot.insure/coverage/medical-malpractice/hawaii) - [Idaho](https://spot.insure/coverage/medical-malpractice/idaho) - [Illinois](https://spot.insure/coverage/medical-malpractice/illinois) - [Indiana](https://spot.insure/coverage/medical-malpractice/indiana) - [Iowa](https://spot.insure/coverage/medical-malpractice/iowa) - [Kansas](https://spot.insure/coverage/medical-malpractice/kansas) - [Kentucky](https://spot.insure/coverage/medical-malpractice/kentucky) - [Louisiana](https://spot.insure/coverage/medical-malpractice/louisiana) - [Maine](https://spot.insure/coverage/medical-malpractice/maine) - [Maryland](https://spot.insure/coverage/medical-malpractice/maryland) - [Massachusetts](https://spot.insure/coverage/medical-malpractice/massachusetts) - [Michigan](https://spot.insure/coverage/medical-malpractice/michigan) - [Minnesota](https://spot.insure/coverage/medical-malpractice/minnesota) - [Mississippi](https://spot.insure/coverage/medical-malpractice/mississippi) - [Missouri](https://spot.insure/coverage/medical-malpractice/missouri) - [Montana](https://spot.insure/coverage/medical-malpractice/montana) - [Nebraska](https://spot.insure/coverage/medical-malpractice/nebraska) - [Nevada](https://spot.insure/coverage/medical-malpractice/nevada) - [New Hampshire](https://spot.insure/coverage/medical-malpractice/new-hampshire) - [New Jersey](https://spot.insure/coverage/medical-malpractice/new-jersey) - [New Mexico](https://spot.insure/coverage/medical-malpractice/new-mexico) - [New York](https://spot.insure/coverage/medical-malpractice/new-york) - [North Carolina](https://spot.insure/coverage/medical-malpractice/north-carolina) - [North Dakota](https://spot.insure/coverage/medical-malpractice/north-dakota) - [Ohio](https://spot.insure/coverage/medical-malpractice/ohio) - [Oklahoma](https://spot.insure/coverage/medical-malpractice/oklahoma) - [Oregon](https://spot.insure/coverage/medical-malpractice/oregon) - [Pennsylvania](https://spot.insure/coverage/medical-malpractice/pennsylvania) - [South Carolina](https://spot.insure/coverage/medical-malpractice/south-carolina) - [South Dakota](https://spot.insure/coverage/medical-malpractice/south-dakota) - [Tennessee](https://spot.insure/coverage/medical-malpractice/tennessee) - [Texas](https://spot.insure/coverage/medical-malpractice/texas) - [Utah](https://spot.insure/coverage/medical-malpractice/utah) - [Vermont](https://spot.insure/coverage/medical-malpractice/vermont) - [Virginia](https://spot.insure/coverage/medical-malpractice/virginia) - [Washington](https://spot.insure/coverage/medical-malpractice/washington) - [West Virginia](https://spot.insure/coverage/medical-malpractice/west-virginia) - [Wisconsin](https://spot.insure/coverage/medical-malpractice/wisconsin) - [Wyoming](https://spot.insure/coverage/medical-malpractice/wyoming) [Other Coverage in Rhode Island](https://spot.insure/coverage/states/rhode-island) ## Sources for Medical Malpractice Insurance in Rhode Island [^1]: [230-RICR-20-10-1, Medical Malpractice Joint Underwriting Association](https://rules.sos.ri.gov/regulations/part/230-20-10-1) — Rhode Island Department of State; §§1.5 and 1.7, limits, eligible coverage forms and self-insurance approval; active rule. Accessed 2026-09-28. [^2]: [216-RICR-40-05-1, Licensure and Discipline of Physicians](https://rules.sos.ri.gov/Regulations/part/216-40-05-1?reg_id=8700) — Rhode Island Department of State; §1.3.1, physician coverage before seeing patients and proof on request; active rule. Accessed 2026-09-28. [^3]: [rhode-island insurance regulator](https://dbr.ri.gov/insurance-overview) — State insurance regulator; DBR Insurance Division overview links to complaint, license lookup, statutes, and regulations.. Accessed 2026-09-28. [^4]: [DBR License Status Verification](https://dbr.ri.gov/insurance-banking-securities-and-charitable-organizations/insurance/consumers/license-status) — State insurance regulator; Official page identifies online NAIC-partnered status checks for producers, adjusters, motor vehicle appraisers, surplus-lines brokers, and reinsurance intermediaries.. Accessed 2026-09-28. [^5]: [DBR Insurance Consumers](https://dbr.ri.gov/insurance/consumers) — State insurance regulator; Official consumer page explains the division's regulated insurance lines and online complaint route.. Accessed 2026-09-28. [^6]: [2025 T-71A Surplus Line Broker Return of Gross Premiums](https://tax.ri.gov/sites/g/files/xkgbur541/files/2026-01/2025%20T-71A_w.pdf) — Rhode Island Division of Taxation; 2025 return, p. 1, lines 1–4: net taxable premium is gross premium less returned premiums; 4% tax; filing due April 1, 2026.. Accessed 2026-09-28. [^7]: [Guide to Tax Filings for Surplus Lines](https://tax.ri.gov/notice/Guide_to_tax_filings_for_surplus_lines_03_27_18.pdf) — Rhode Island Division of Taxation; 2018 Guide to tax filings, surplus-lines section: gross premium for tax purposes excludes carrier, broker, and inspection fees; no newer official fee-base instruction located as of 2026-09-28.. Accessed 2026-09-28. [^8]: [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. [^9]: [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. [^10]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^11]: [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. [^12]: [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. [^13]: [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](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/medical-malpractice/rhode-island.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)