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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Insurance Topics: Medical Malpractice Insurance",
  "publisher": "National Association of Insurance Commissioners (NAIC)",
  "url": "https://content.naic.org/insurance-topics/medical-malpractice-insurance",
  "officialHost": true,
  "sourceType": "official-documentation",
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  "jurisdiction": "US",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "NAIC updates its Insurance Topics pages periodically; the page fetched on 2026-08-31 displayed a last updated date of 04/01/2026.",
  "status": "active",
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      "checksum": "d0bed9809b9d",
      "text": "NAIC states that many insurers write on a claims-made form basis, where a policy in effect at the time a claim is reported responds for the loss, while the policy remains in force and during any applicable extended reporting period."
    },
    {
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      "checksum": "ba4141fd39df",
      "text": "NAIC states that an occurrence policy covers a loss that occurs during the policy period, regardless of when the claim was made, and even after the policy has been canceled."
    }
  ],
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    {
      "kind": "Question",
      "title": "Why can two insurance policies with the same limit protect differently?",
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  ],
  "reliedOnByCount": 1,
  "citation": {
    "text": "National Association of Insurance Commissioners (NAIC). \"Insurance Topics: Medical Malpractice Insurance.\" unknown. https://content.naic.org/insurance-topics/medical-malpractice-insurance (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record naic-medical-malpractice, content version 2026.08.31. https://bestinsuranceresearch.com/sources/naic-medical-malpractice",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}