NORCAL Group, now part of ProAssurance, offers a full spectrum of medical professional liability insurance solutions to physicians and other healthcare providers.

A.M. Best Rating: A- Excellent

Total Assets: Approximately $1.69 Billion

Position in Florida Market: Insures approximately 4,500 physicians in Florida.

History and Description: NORCAL Mutual was formed more than 40 years ago as a group of physicians in Northern California — faced with a crisis in the liability insurance industry that threatened their practices — banded together to start a new policyholder-owned and physician-directed insurance company for the betterment of their fellow physicians. NORCAL merged with ProAssurance in 2021 insuring over 32,000 physicians nationwide.

Policy Form: Standard features, claims-made

Policy enhancements include:

Provides coverage for damages because of injury caused by a medical incident directly resulting from professional healthcare 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 waives the tail premium for a qualified healthcare professional in the event of death or disability, or if the healthcare professional has been insured with us 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 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 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 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

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.