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Providing top-tier educational resources essential to reducing risk, offering versatile coverage solutions to safeguard your practice, and serving as a staunch advocate on behalf of the medical community.

State Highlights

Prior Acts/Nose Coverage

More » c

Right to Consent to Settle

More » m

Death, Disability and Retirement

More » u

Defense Outside the Limits

More » w

Info Security & Admin Defense

More » a


NORCAL Mutual brings an A.M. Best “A” (Excellent) rating and 40 years of strength and stability to Indiana physicians who deserve a committed medical professional liability insurance provider.



Medical Professional 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.

  • Prior Acts/Nose Coverage (Over Current Retroactive Date) — Conveniently provides coverage from one insurer.
  • Right to Consent to Settle — Places you in control of whether to settle a claim. (Subject to specific state laws.)
  • Death, Disability and Retirement — NORCAL Mutual waives the tail premium for a qualified health care professional in the event of death or disability, or if the health care professional has been insured with NORCAL Mutual for at least one year, has a retroactive date that is at least 48 months before the termination date, and retires completely from the practice of medicine.
  • Defense Outside the Limits — 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.

Information and Network Security

This endorsement provides substantial coverage for a wide variety of potential costs related to information security — with no deductible and at no additional cost to you. NORCAL Mutual also provides policyholders exclusive access to an online library of educational and training resources related to information security.

  • Information & network security liability — Protection against claims alleging unauthorized release of personal information, violations of information privacy law, or unauthorized use of/access to your computer system.
  • Media liability — Protection against claims arising from material published on a Website, in ads, etc., including allegations of libel, slander, copyright infringement, or trademark violations.
  • Regulatory privacy proceedings & regulatory fines & penalties — Coverage for defense of HIPAA violations, state and federal information privacy law violations, etc; and for certain related fines and penalties.
  • Customer notification & credit monitoring expenses — Coverage for expenses incurred as a result of information breaches, including costs of notifying affected parties and providing them with credit monitoring services.
  • Electronic data recovery & replacement expenses — Coverage for expenses incurred to recover or replace electronic data lost or damaged because of a computer virus, hacking or other system invasion.
  • Cyber extortion — Coverage for expenses and extortion monies as a direct result of credible threats, including introduction of malicious code into an insured computer system.
  • Cyber terrorism — Coverage for income loss and business interruption expenses due to a terrorist act that takes down the insured computer system.

Administrative Defense

  • Medical Licensure and Privileges
  • Employment Practices
  • Billing errors
  • EMTALA Proceedings
  • CLIA Proceedings
  • STARK Proceedings
  • Fines and penalties for administrative proceedings
Indiana Benefits & Info

Benefits & Info 

Protecting You Through the Day to Day


Securely and easily access your account information and hundreds of CME and risk management learning opportunities online any time with MyACCOUNT. This self-service portal gives you access to exclusive information for managing your policy and protecting your practice. Activate MyACCOUNT today.

Risk Management Solutions

  • On-site Clinical and Administrative Assessment
    Helps you identify risks, as well as evaluate and improve your practice systems.
  • Industry-leading CME Program
    Assists you in enhancing patient safety and improving communication.
  • Monthly Claims Rx Publication
    Helps you stay on top of current administrative and clinical issues.
  • Risk Management Day and Night Phone Consultations
    Offers peace of mind and allows you to call NORCAL day and night for emergent Risk Management advice.

MyNORCAL Mobile App

Free app for iOS and Android has all the award-winning Claims Rx articles available in MyACCOUNT, automatically syncing your CME activity with your other devices.

For additional information about these benefits, or any other NORCAL service offerings, please contact Customer Service at 844.4NORCAL.

Payment Options

MONTHLY 12 equal payments; payments due on the effective date of the month Not Available
QUARTERLY 4 equal payments; payments due on the effective date of the quarter 4 equal payments; payments due 30 days before effective date of the quarter
ANNUALLY 100% upfront 100% upfront


ACH (Automatic Withdrawl)

Please download and complete the ACH Authorization form below and submit via fax or mail.

  • Fax: 888.495.2188
  • Mail: 6034 West Courtyard Drive
    Suite 310
    Austin, TX 78730-5079

Credit card payments are accepted for quarterly and annual direct bill plans through MyACCOUNT.

Payment may be mailed to:
NORCAL Mutual Insurance Company
PO Box 398054
San Francisco, CA 94139-8054

Indiana Applications


Each application is available to download in PDF format for electronic or offline submission.

Please download the application to your computer, complete and email to If you have any questions, contact your agent/broker, or call our toll free number 844.4NORCAL to talk with a NORCAL Group representative.

Application Instructions

Electronic Completion

You may have problems saving the document if you complete it in the browser window.

  1. Please download the relevant electronic application to your computer’s hard drive.
  2. Answer all the questions electronically by checking the appropriate boxes and filling in the “fields” or blanks on your computer.
  3. Save the changes you have made to the document.
  4. Email the completed application:

Conventional Completion

Print out the relevant electronic application and complete it by hand. Provide completed application to your agent/broker or contact a NORCAL Group representative for mailing instructions.

We’re here to help if you have questions regarding the application process. Please contact NORCAL Customer Service at 844.4NORCAL, or your agent/broker.

Applications Download

To view PDF files, you must have Adobe Reader installed.

Premium Relief for INDIANA Policyholders

As you continue to work through the impact of the recent storms and subsequent flooding events, NORCAL Mutual Insurance Company, and its subsidiary companies, will be offering premium relief for any payments due between March 2 and May 2. We want to ensure our policyholders are able to focus on bringing stability back to their homes and practices without any disruption of coverage. 

Any premium payment due between March 2 and May 2 will be adjusted with a new due date of May 3. Accounts that are enrolled in automatic payment withdrawals via ACH will continue as scheduled; however, if you would like to delay payment until May 3, please contact Customer Service and we will honor this request.  Additionally, no Notices of Cancellation for non-payment of premium will be issued during this grace period.  Any such Notices of Cancellation that were generated on or after Friday, March 2 have been lifted.

Our risk management team has provided helpful resources for medical practices dealing with flood-related issues. Those resources can be found at Please do not hesitate to contact us if you have any questions or concerns about this premium relief and any affected policies by phone at 844.4NORCAL or

Interested in NORCAL Mutual?

Contact Your Agent/Broker or call 844.4NORCAL today


Earn CME Credits Anytime, Anywhere

Convenient access to on-demand CME webcasts and award-winning Claims Rx CME activities.

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