Coverages

Optional Coverages*

NORCAL offers a variety of additional coverages to meet your particular practice needs.

Prior Acts (Nose) Coverage protects you from claims arising from health care services provided before but reported after you become a NORCAL policyholder.

Extended Reporting Period (Tail) Coverage safeguards you from claims arising from health care services provided while you were a NORCAL policyholder but reported after policy termination.

Endorsed Part-time Physician Coverage provides shared limits coverage for physicians who extend your practice on a temporary or regular, but infrequent basis.

Locum Tenens Coverage provides shared limits coverage on a specified date or dates for physicians and health care extenders who temporarily substitute for insureds.

General Liability Coverage (available to some applicants) provides coverage for:

• Bodily Injury, Property Damage or Fire Damage in the coverage territory
• Personal Injury or Advertising Injury Liability
• Medical Payments for medical expenses for Bodily Injury on an insured premise

Business Liability Coverage For information about comprehensive business liability coverage for medical practices, visit NORCAL's affiliate agency, Medical Risk Management Insurance Services, Inc. (MRMI).

 

*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.