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Utah medical malpractice insurance guide

Utah couples a two-year discovery period with a four-year outer limit for most malpractice actions, subject to specific exceptions. A 2025 law also permits execution against an individual provider’s assets if the provider lacks a $1 million policy, but that is not a general insurance mandate; verify the named provider, dates and policy limit. 1,2

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 Utah

  • Match policy dates to Utah’s discovery and outer periods

    A malpractice action generally must begin within two years after discovery or reasonable discovery of injury, but no later than four years after the alleged act, omission, neglect or occurrence. Foreign-object and fraudulent-concealment exceptions have separate rules. Confirm how the policy’s retroactive date and report requirements track care and claim dates. 1

  • The $1 million threshold concerns personal assets

    For individual health-care providers, the 2025 statute permits collection from personal income or assets when the court finds a policy limit below $1 million, with separate willful/malicious or fraud findings also listed. It does not command all providers to buy insurance; ask whether the provider’s policy meets the threshold and whose coverage counts. 2

  • Most actions have a pre-suit process

    The statute requires at least 90 days’ notice before initiating a malpractice action and, except for dental defendants, a certificate of compliance. Utah also provides for prelitigation review; ask who coordinates defense and notices without assuming the process expands policy coverage. 1

  • Use the claim’s arising date for the noneconomic limit

    Utah Code §78B-3-410 sets a $450,000 noneconomic-damages limit for causes arising on or after May 15, 2010 and excludes punitive damages from that limit. This is not a total-loss limit or a policy limit. 1

  • Utah’s placement backstop is conditional

    The insurance commissioner may hold a public hearing and find professional liability coverage is not readily available in a specific area before implementing a joint-underwriting plan. The statute does not establish automatically available coverage or a patient-compensation fund; verify whether a current plan exists for the provider and location. 3

Who Regulates Insurance in Utah

Utah Insurance Department

The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4.25% of gross premium including policy fees, plus 0.18% stamping fee For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list. 7,8,9,10,11

Surplus Line Association of Utah

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 Utah. 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. 14
  • 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. 18

Questions to Ask Before You Buy in Utah

  1. Does each individual provider’s policy have at least a $1 million limit, and which policy counts for the statutory personal-assets rule?
  2. What retroactive date, reporting trigger and extended reporting protection address Utah’s discovery and four-year outer periods?
  3. Who handles the 90-day notice and certificate-of-compliance requirements for each intended defendant?

Medical Malpractice in Utah: FAQ

Does Utah law require every provider to buy a $1 million policy? 2

No. The 2025 statute instead permits execution against an individual provider’s personal assets if a court finds that provider failed to maintain a policy with at least a $1 million limit. 2

Does Utah’s $450,000 limit cap all damages? 1

No. It applies to noneconomic losses for causes arising on or after May 15, 2010; punitive damages are excluded, and the limit is not a policy limit. 1

Medical Malpractice in Other States

Other Coverage in Utah

Sources

  1. Utah Code, Title 78B, Chapter 3 (2025 current text). Utah State Legislature; 2025 consolidated Part 4, §§78B-3-404, -410, -412 and -416: limitations/exceptions, date-based noneconomic cap, 90-day notice/certificate, compulsory prelitigation panel; §§416 and 418 amended by Chapter 503 (2025). Accessed 2026-09-28.
  2. Utah Code §78B-3-405.5, Economic damages—Judgments against personal assets. Utah State Legislature; Effective May 7, 2025; subsection (4): execution against individual provider personal assets after findings including failure to maintain a $1 million policy. Accessed 2026-09-28.
  3. Utah Code, Title 78B, Chapter 3 (2025 current text). Utah State Legislature; 2025 consolidated §78B-3-413(1)-(2): commissioner may act after public hearing, a finding that voluntary-market coverage is not readily available in a specific area, and finding of public interest. Accessed 2026-09-28.
  4. utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
  5. Utah Insurance Department Licensee Search. State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status. Accessed 2026-09-28.
  6. Utah Insurance Department Complaints. State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits. Accessed 2026-09-28.
  7. Utah Code §31A-3-301. Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions. Accessed 2026-09-28.
  8. Utah Code §31A-3-303. Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks. Accessed 2026-09-28.
  9. Excess & Surplus Lines Insurance. Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days. Accessed 2026-09-28.
  10. Utah Code §31A-15-103(8)(c). Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28. Accessed 2026-09-28.
  11. Excess & Surplus Lines Insurance. Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures. Accessed 2026-09-28.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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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