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Indiana Umbrella and Excess Liability Guide

In Indiana, a commercial umbrella and the Patient’s Compensation Fund address different exposures. The Fund covers only health-care providers qualified under the Medical Malpractice Act after financial-responsibility proof and a surcharge are filed; hospitals and providers may use different proof routes, and separate legal entities may need separate qualification. If a healthcare organization has a contract requiring excess limits, confirm the named entities, professional-liability policy, Fund qualification, and commercial liability schedule independently rather than treating one limit as a substitute for another. 1,2

What Is Umbrella And Excess Liability?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. Read the national Umbrella and excess liability guide.

Indiana Requirements

RequirementDetails
Indiana Patient’s Compensation Fund participationThe Indiana Department of Insurance says a provider or its carrier must file proof of financial responsibility under IC 34-18-4 and pay the surcharge under IC 34-18-5 to qualify for the Fund. Its February 2, 2026 FAQ says underlying malpractice limits generally must first be purchased; hospitals may self-insure and providers may use qualifying cash or surety-bond proof. This is a medical-liability participation process, not a general-business umbrella mandate. 2,1

What to Watch for in Indiana

  • Do not count the PCF as a commercial GL or auto umbrella

    Indiana’s Department of Insurance describes the PCF as part of the Medical Malpractice Act and ties qualification to financial-responsibility proof and a surcharge. A contract’s general-liability or commercial-auto excess limit is a separate requirement. Ask the buyer and your broker to map each required exposure to its own policy and avoid counting a malpractice Fund layer toward a commercial umbrella requirement unless the contract expressly says so. 2,1

  • Confirm the entity and location that qualified

    IDOI says qualification and shared limits depend on the legal entity: separate entities or locations may need separate limits and separate qualification, while an assumed name registered under a parent may share limits. Before signing a contract in a facility or affiliate’s name, match the named insured, entity registration, locations, underlying policy, and Fund certificate. 1

  • Higher malpractice limits can change the Fund sequence

    IDOI’s FAQ states that if a qualified provider carries limits above those in IC 34-18-4-1, those higher limits must be tendered before the claimant may receive excess damages from the PCF, and the provider may not receive the full benefit of the Fund’s excess coverage. A professional-liability limit chosen for a customer contract can therefore affect the statutory Fund sequence; get current written guidance for the exact provider and contract before treating higher limits as additive. 1

  • Facility coverage does not automatically qualify every clinician

    IDOI’s FAQ states that physicians and independent ancillary providers working through emergency-room groups or physician-owned facilities file individual proof and pay the appropriate surcharge; an ancillary provider cannot include those individual providers in its qualification. Have the facility and clinicians verify their own qualification and coverage instead of relying on the institution’s excess-limit certificate. 1

Who Regulates Insurance in Indiana

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 2.5% of gross premium when Indiana is the home state Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker. 6,7,8,9

Providers With Documented State Licenses

These providers publish a national listing for Umbrella and excess liability; 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 Indiana. 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
  • RisklyticsRisklytics, Inc.Insurance producer · checked 2026-09-28Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map. 15
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 16
  • 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 Indiana

  1. Which legal entity and locations are named in the contract, the professional-liability policy, and the PCF record?
  2. Is the provider qualified for the PCF for the relevant dates, with proof of financial responsibility and surcharge filed?
  3. Does the agreement require commercial general liability, auto, or professional liability excess, and which underlying policies must be scheduled?
  4. For a facility, physician group, or independent ancillary provider, who must qualify separately and how do the legal entity records affect shared limits?

Umbrella And Excess Liability in Indiana: FAQ

Can an Indiana healthcare organization count the PCF toward a commercial umbrella requirement? 2,1

The official sources describe the PCF as a Medical Malpractice Act system. They do not establish that it satisfies a commercial GL or auto contract limit; ask the contracting party to identify the covered liability line and confirm the requirement in writing. 2,1

Does every Indiana healthcare provider use the same PCF qualification route? 1

No. IDOI’s FAQ says the usual route starts with underlying limits from an eligible insurer, while a hospital may self-insure and qualifying providers may establish financial responsibility with cash or a surety bond. Check the provider’s specific statutory proof and Fund filing. 1

Umbrella And Excess Liability in Other States

Other Coverage in Indiana

Sources

  1. Indiana Patient’s Compensation Fund FAQs (version 3.0, February 2, 2026). Indiana Department of Insurance; §§4.4–4.7 and 5.2–5.3: qualification, proof routes, entity/location treatment, higher-limit ordering, and individual physician/ancillary qualification. Accessed 2026-09-28.
  2. Patient’s Compensation Fund Certificate of Insurance Electronic Filing. Indiana Department of Insurance; Opening description: qualification requires proof under IC 34-18-4 and surcharge under IC 34-18-5; carrier filing date effective December 5, 2012. Accessed 2026-09-28.
  3. Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
  4. Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
  5. Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
  6. Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
  7. Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
  8. Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
  9. Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. 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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