--- title: "South Carolina medical malpractice insurance guide" description: "See how South Carolina’s 2026 indexed noneconomic-damages limits, presuit procedure and residual-market association affect medical malpractice insurance decisions." canonical: "https://spot.insure/coverage/medical-malpractice/south-carolina" 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/south-carolina) # South Carolina medical malpractice insurance guide South Carolina’s 2026 adjustment memorandum reports noneconomic-damages limits of $596,001 per health-care provider or institution and $1,788,002 combined per claimant. Economic damages remain outside those limits. Compare the figures and insured entities with the claim date, and plan for the state’s presuit notice and expert-affidavit steps.[^1][^2][^4][^3] **Coverage:** [Medical malpractice](/coverage/medical-malpractice) · [South Carolina](/coverage/states/south-carolina) ## 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). ## South Carolina Requirements | Requirement | Details | | --- | --- | | Use the current indexed figure | The February 2026 memorandum reports $596,001 for each health-care provider or institution and $1,788,002 combined for each claimant. The limits are adjusted annually; confirm the State Register publication/effective date and apply the figure for the relevant claim.[^1][^2] | | Separate noneconomic and economic damages | The statute limits noneconomic damages by provider/institution and sets a combined ceiling when multiple defendants are involved; it expressly does not limit economic damages.[^1] | ## What to Watch for in South Carolina ### The cap follows defendant categories For 2026, the state’s adjustment memorandum reports $596,001 per provider or institution and $1,788,002 combined per claimant. The statute includes practices and other legal entities in its provider definition. Confirm the relevant judgment date, current State Register figure, and which clinicians, practice entities and facilities the policy insures.[^1][^2] ### The cap is not a total-damages ceiling Economic damages are outside the noneconomic limit, and punitive damages may also be available under separate rules. Compare the policy’s per-claim and aggregate limits with the full potential loss, not only the noneconomic cap.[^1] ### Notice and expert support come before suit South Carolina’s medical-liability process includes a notice of intent with an expert affidavit before filing suit, with statutory timing consequences. Ask counsel and the carrier how incident notice, investigation and defense coordination work during that presuit period.[^4] ### The association is a conditional market of last resort Any licensed South Carolina health-care provider may apply to the Joint Underwriting Association, but acceptance depends on the Association’s underwriting standards and payment of premium. The legislature describes it as transitioning toward a market of last resort, not a patient-compensation fund; statutory policy limits are generally $1 million per claim/$3 million annual, with higher amounts requiring approval.[^3] ## Who Regulates Insurance in South Carolina **South Carolina Department of Insurance.** The South Carolina Department of Insurance licenses and regulates insurance companies and producers and accepts complaints involving entities it licenses and policies incepted in South Carolina. Its consumer page links to the online complaint form and explains limits on the Department’s authority.[^5][^6][^7] - [Regulator website](https://doi.sc.gov/) - [License lookup](https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx) - [File a complaint](https://doi.sc.gov/consumers) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 6% blended broker premium tax: 4% state plus 2% municipal SCDOI’s January 2026 instructions set a 6% blended surplus-lines broker premium tax: 4% state and 2% municipal; the Department collects both and the Municipal Association of South Carolina allocates the municipal share. The filing system also asks brokers to identify one to three insurers that declined the indicated coverage; check the policy notice for any guaranty-association disclosure.[^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 that the product is available in South Carolina; [check the regulator’s license lookup](https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] - [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 South Carolina 1. What is the currently published South Carolina noneconomic limit for the relevant claim date, and how does the policy limit apply across the clinician, practice and facility? 2. Are defense costs inside or outside each limit, and do economic or punitive damages erode the aggregate? 3. If applying to South Carolina’s Joint Underwriting Association, what underwriting standards, limits and claims-made or occurrence form are available for this provider class? ## Medical Malpractice in South Carolina: FAQ ### Does South Carolina’s cap limit every malpractice loss? No. The statute limits noneconomic damages and expressly leaves economic damages outside that limit; its exceptions and punitive-damage rules also matter.[^1] ### Can a provider assume the state association will supply coverage? Any licensed provider may apply, but the association must apply its underwriting standards and collect premium before issuing a policy; confirm acceptance, limits and form.[^3] ## 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 Mexico](/coverage/medical-malpractice/new-mexico) - [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 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 South Carolina](/coverage/states/south-carolina) ## Sources [^1]: [South Carolina Code, Title 15, Chapter 32](https://www.scstatehouse.gov/code/t15c032.php) — South Carolina Legislature; §§15-32-210 and 15-32-220(A)-(F): covered provider/institution terms; per-defendant and aggregate noneconomic limits; economic and punitive damages; exceptions; annual CPI adjustment. Accessed 2026-09-28. [^2]: [2026 Non-Economic (Medical Malpractice) Damages Limitation—Inflation Component](https://www.rfa.sc.gov/media/11477) — South Carolina Revenue and Fiscal Affairs Office; February 3, 2026 memorandum, page 1: CPI adjustment and current $596,001 per provider/institution and $1,788,002 combined claimant limits; publication in State Register controls effective date. Accessed 2026-09-28. [^3]: [South Carolina Code, Title 38, Chapter 79](https://www.scstatehouse.gov/code/t38c079.php) — South Carolina Legislature; §§38-79-120, 38-79-130 and 38-79-150: association as market of last resort; applicant underwriting standards; $1m per-claim/$3m annual limits and approval path for higher limits. Accessed 2026-09-28. [^4]: [South Carolina Code, Title 15, Chapter 79](https://www.scstatehouse.gov/code/t15c079.php) — South Carolina Legislature; §15-79-125(A)-(F): Notice of Intent to File Suit, expert affidavit, service, tolling and 90-to-120-day mediation. Accessed 2026-09-28. [^5]: [south-carolina insurance regulator](https://doi.sc.gov/) — State insurance regulator; Official home and consumer services pages describe regulator scope.. Accessed 2026-09-28. [^6]: [SCDOI Online Services](https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx) — State insurance regulator; General Public offers Licensee Lookup for licensed individuals and insurers.. Accessed 2026-09-28. [^7]: [SCDOI Consumer Services](https://doi.sc.gov/consumers) — State insurance regulator; Complaint process and stated authority covers licensed entities and policies incepted in SC; online complaint form is linked.. Accessed 2026-09-28. [^8]: [2026 Surplus Lines Filing Instructions](https://www.doi.sc.gov/DocumentCenter/View/15210/2026-Surplus-Lines-Filing-Instructions) — South Carolina Department of Insurance; Pages 1–2, January 26 2026 memo: 6% blended rate, 4% state plus 2% municipal; DOI collects both and MASC allocates municipal portion.. Accessed 2026-09-28. [^9]: [2026 Surplus Lines Filing Instructions](https://www.doi.sc.gov/DocumentCenter/View/15210/2026-Surplus-Lines-Filing-Instructions) — South Carolina Department of Insurance; Pages 1–2, Jan. 26, 2026 instructions: broker filing due-diligence field requires one to three named insurers declining the indicated coverage.. Accessed 2026-09-28. [^10]: [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. [^11]: [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. [^12]: [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. [^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). 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