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Health Care Professional (HCP) Coverage Overview

NORCAL’s Health Care Professional liability insurance provides coverage when an injury results from professional healthcare services or committee activities

FREE TAIL IN THE EVENT OF RETIREMENT, DISABILITY OR DEATH*
No minimum age requirement

RIGHT TO CONSENT TO SETTLE
True policyholder control of whether to settle†

INFORMATION NETWORK SECURITY
Protection and guidance for data security breaches, patient privacy concerns, cyber extortion risks and more

ADMINISTRATIVE DEFENSE
Relevant reimbursement coverage for regulatory and review board proceedings in addition to loss of earnings

DEFENSE OUTSIDE THE LIMITS
Defense costs do not count against the applicable policy limits‡

CLAIMS-MADE** POLICY
Coverage is triggered the moment a claim is reported and coverage confirmed. Guidance and protection are then provided all the way through your claim being closed

*No minimum age requirement; other qualifications apply. | †Subject to state law and policy terms. | ‡NORCAL Mutual will pay defense costs and additional benefits for a covered claim in addition to the limits of coverage. Additional benefits include loss of earnings and expenses incurred to assist NORCAL Mutual in the defense. | **‘Claims-Made’ refers to claims-made and reported.


Availability & Restrictions

Coverage availability varies by state and restrictions may apply.