Individual/Entity Policy Highlights*
The following coverages are provided on a claims-made basis: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.
Datashield™ — Information and Network Security Insurance Endorsement
Covers costs for:
- Information and network security liability
- Media liability
- Regulatory privacy proceedings and regulatory fines and penalties
- Customer notification and credit monitoring expenses
- Electronic data recovery and replacement expenses
Physicians Administration Defense (PAD) Reimbursement Coverage
Provides defense cost reimbursement and practice interruption expense reimbursement for administrative proceedings and employment-related civil actions related to:
- Medical Licensure and Privileges
- Employment Practices
Reduces your expenses after retirement (certain qualifications required).
Limited Professional Office Premises Liability Coverage
Provides limited coverage for slips and falls and property damage at a covered premise.
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.
The following benefits are provided in addition to the Limits of Liability of the policy:
- Defense Costs
- Attendance at Trial: $500 maximum per half day
- Fire and Water Damage Legal Liability: $500,000/$500,000
- Medical Payments: $10,000 per person
- Pre-judgment and Post-judgment Interest
Additional Highlights
Aggressive Claims HandlingRepresents your interests and helps protect your reputation.
On-site Clinical and Administrative Assessment
Helps you identify risks and evaluate and improve your practice systems.
Industrial-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 24/7 Phone Consultations
Offers peace of mind and allows you to call NORCAL 24/7 for Risk Management advice.
For additional information about this or any other NORCAL policy, please contact Policyholder Services at (877) 443-7232.
*The above information is intended only to highlight the NORCAL policy features and benefits. The conditions of coverage are specifically explained in the NORCAL policy.
