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Policyholder & Partner COVID-19 FAQs

Posted/Updated on 3/25/20 5:21 PM

Answers for policyholders and partners around coverage and other issues related to the COVID-19 Pandemic.

Q: If I am asked to provide services across state lines to treat patients affected by COVID-19, will NORCAL extend my coverage?

A: Yes, NORCAL’s policy will extend coverage to insureds who need to cross state borders to provide medical care for COVID-19 so long as the insureds confirm that they can cross state lines and provide care without violating any state-specific licensing requirements. You do not need to worry about your NORCAL coverage. We do ask that you notify us of any services provided across state lines in writing as soon as practicable at

Q: If I need to expand my scope of practice (outside of my specialty) to care for patients impacted by COVID-19, am I covered under my NORCAL policy?

A: Yes, practicing outside your specialty in response to the COVID-19 emergency does not impact coverage under your NORCAL policy. We ask that you notify us of the change in writing as soon as practicable at

Q: I am going to volunteer to treat patients affected by COVID-19. Am I covered for this exposure under my NORCAL policy?

A: Yes, your NORCAL policy will respond if you volunteer to deliver care in support of the COVID-19 emergency. We ask that you notify us of your volunteer work in writing as soon as practicable at

Q: If I conduct telehealth/virtual office visits in lieu of in-person care for my patient encounters, how is my NORCAL medical liability coverage affected and does this require a coverage change?

A: Yes, you can provide care via telehealth. This does not require a coverage change, and it will not impact your premium. NORCAL Risk Management resources and guidance on COVID-19 pandemic communications and telemedicine are available online.

Q: I am a former NORCAL member (retired) and am returning to practice to help in the emergency. Will this impact my tail coverage?

A: If you are returning to practice because of the COVID-19 emergency and are not getting compensation other than reimbursement of expenses incurred in rendering such services, this will have no impact on your extended reporting period, or tail, coverage or the premium waiver with NORCAL.

Q: What risk management resources and recommendations are available for healthcare providers to respond to COVID-19?

A: In order to help policyholders and the broader medical community prepare for and respond to the challenges associated with COVID-19, NORCAL Group has developed online resources to support preparation and response to the pandemic, and the protection of both patients and healthcare personnel. The NORCAL COVID-19 Exchange includes bundled and individual educational risk management resources, coverage of relevant and timely topics, company updates, and answers to your coverage questions—in a mobile-friendly format so you have easy access.

Topics: COVID-19 Updates

← Back to Pandemic: COVID-19 ExchaNGe

The information provided on this site offers risk management recommendations and resource links. The information does not constitute a legal opinion, nor is it a substitute for legal advice. Legal inquiries about this topic should be directed to an attorney. NORCAL Group makes no representation regarding compliance with state or federal law by offering these resources. These documents and links are provided for your convenience and reference only, and the provision of these materials does not mean NORCAL Group is affiliated or associated with these organizations.