What Telehealth Insurance Requirements Apply in New Jersey?

New Jersey requires telehealth clinicians serving patients in the state to hold the applicable New Jersey license, certification, or registration and comply with existing professional-liability insurance rules. Patients must be told that a telehealth clinician may not be a physician and may request a physician for the encounter.

What Is Telehealth Insurance?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What Should You Watch for With Telehealth Insurance in New Jersey?

State Licensure and Existing Liability Rules Both Apply
New Jersey’s Telemedicine Act requires providers to be validly licensed, certified, or registered for New Jersey practice, remain under state professional-board oversight, and comply with existing liability-insurance requirements. Ask the agent to match each professional’s current credential and required policy to the services scheduled. ¹
Patients Can Ask for a Physician
At the time a patient requests telehealth, the provider must explain that the encounter may be with a nonphysician and that the patient may request a physician. Make sure intake scripts and scheduling records reflect this choice, and ask how the policy handles all covered clinician types. ¹
Telehealth Cannot Replace Access to an In-Network Provider
New Jersey law does not permit a provider to require telehealth instead of services from an in-network provider. Ask whether your model offers appropriate in-person access or referrals and make sure the policy describes any virtual-only arrangements accurately. ^1,²

Which Telehealth Insurance Providers Have New Jersey License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in New Jersey?

New Jersey Department of Banking and Insurance

New Jersey DOBI licenses insurers and producers, reviews insurance products and rates, monitors insurer solvency and responds to insurance complaints. The Property and Casualty unit regulates commercial and personal property and casualty rates, rules and forms. ^3,^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-446-7467

Surplus-Lines Tax and Stamping Office in New Jersey

Reported tax rate. 5% of gross premium, less return premium ^7,^8,⁹

New Jersey’s Department of Banking and Insurance states a 5% surplus-lines tax for policies effective on or after July 1, 2009; its FAQ also describes direct-procurement tax filing for premium allocated to New Jersey. A New Jersey surplus-lines producer generally must make a diligent effort to place the risk with authorized insurers, subject to the exportable-list and other statutory exceptions. New Jersey’s separate surplus-lines guaranty fund has narrow coverage; ordinary commercial surplus-lines claims are generally outside guaranty protection.

What Should You Ask Before Buying Telehealth Insurance in New Jersey?

Does each clinician hold New Jersey authority and comply with the profession’s existing liability-insurance rule?
Does intake tell patients they may request a physician for a telehealth encounter?
What in-person or in-network referral options are part of our virtual-care model?

Telehealth Insurance in New Jersey: Frequently Asked Questions

Does New Jersey require liability insurance for telehealth providers?

Telehealth providers must comply with existing liability-insurance requirements applicable to their profession; Chapter 310 does not state one universal limit for all providers. ¹

Can a New Jersey telehealth patient request a physician?

Yes. At the time the patient requests telehealth, the provider must explain that the encounter may be with a nonphysician and that the patient may specifically request a physician. ¹

Sources for Telehealth Insurance in New Jersey

1
P.L. 2021, c. 310, Telemedicine and Telehealth. New Jersey Department of Health / New Jersey Legislature; Sections 1-3, licensure, liability insurance, patient notice and access. Accessed 2026-09-29.
2
N.J.S.A. 45:1-62. New Jersey Legislature; Provider obligations and patient choice for telemedicine and telehealth. Accessed 2026-09-29.
3
New Jersey Department of Banking and Insurance. New Jersey Department of Banking and Insurance; Official regulator homepage. Accessed 2026-09-28.
4
Division of Insurance. New Jersey Department of Banking and Insurance; States that Division issues insurer/producer licenses, reviews products and rates, monitors solvency and responds to consumer concerns. Accessed 2026-09-28.
5
Insurance Licensing and Education. New Jersey Department of Banking and Insurance; Official producer licensing page links to NJDOBI Licensee Search and SBS Licensee Search. Accessed 2026-09-28.
6
Consumer Information. New Jersey Department of Banking and Insurance; Official consumer assistance/complaints destination; DOBI hotline 800-446-7467. Accessed 2026-09-28.
7
Surplus Lines FAQs. New Jersey Department of Banking and Insurance; Current DOBI FAQ states 5% on policies effective on/after July 1, 2009 and identifies direct-procurement filing when NJ receives an out-of-state surplus-lines premium allocation. Accessed 2026-09-28.
8
N.J.A.C. 11:1-33.3, Surplus Lines Procurement Requirements. New Jersey Department of Banking and Insurance; Rule requires diligent effort to place with authorized insurer except coverages on Exportable List. Accessed 2026-09-28.
9
Surplus Lines Tax Q&A. New Jersey Department of Banking and Insurance; DOBI FAQ states Surplus Lines Guaranty Fund covers medical malpractice liability and property covering owner-occupied dwellings under four units; this is narrow and not ordinary business coverage. 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.

What Telehealth Insurance Requirements Apply in New Jersey?

What Is Telehealth Insurance?

What Should You Watch for With Telehealth Insurance in New Jersey?

State Licensure and Existing Liability Rules Both Apply

Patients Can Ask for a Physician

Telehealth Cannot Replace Access to an In-Network Provider