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Health Care Professional (HCP) Coverage Overview

NORCAL Mutual Health Care Professional (HCP) liability insurance provides coverage for damages because of injury caused by a medical incident directly resulting from professional health care services or professional committee activities.

Claims Made Policy

Prior Acts/Nose Coverage (Over Current Retroactive Date)
Conveniently provides coverage from one insurer

Loss of Earnings
Pays up to $750 per half day due to time off from work to attend trial or arbitration in connection to covered claim

Right to Consent to Settle
Places you in control of whether to settle a claim

Death, Disability and Retirement
Provides a free tail in the event of death or disability, or a retirement tail after a physician has been insured with NORCAL Mutual for one year with a retroactive date of at least 48 months and completely retires from the practice of medicine

Defense Outside the Limits
Pays on behalf of the insured all sums up to the applicable policy limit for which the insured becomes legally obligated to pay as damages covered under this policy. The Company will also pay all reasonable claim expenses and/or defense costs incurred in addition to the policy limits of liability as stated on the Declarations Page, subject to the retroactive date, under the following coverage

Mutualization
Provides named insured the right to vote in the election of the board of directors and share in any dividends that may be declared for the policy


Availability & Restrictions

Coverage availability varies by state and restrictions may apply.