---
title: California | NORCAL Group - Medical Professional Liability Insurance
description: NORCAL Mutual Insurance Company, California
---

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[Contact Us](https://www.proassurance.com/contact-us/?hsLang=en): **844-466-7225**

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- [About](https://norcal-group.com/about) 
    - [About Us](https://norcal-group.com/about)
- [Coverages](https://norcal-group.com/state)
- [Claims](https://www.proassurance.com/report-a-claim/)
- [Resources](https://www.norcal-group.com/resources) 
    - [HIPAA Resources](https://proassurance.com/hipaa)
    - [Website Accessibility](https://proassurance.com/accessibility)
- [Pay](https://www.norcal-group.com/pay)

![Delaware](https://proassurance.com/hs-fs/hubfs/Website/State-Images/gi-524404033_stethoscope.jpg?width=1500&name=gi-524404033_stethoscope.jpg "Delaware")

# California

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 »](https://proassurance.com/california-test#coverages) *c*

# Right to Consent to Settle

[More »](https://proassurance.com/california-test#coverages) *m*

# Death, Disability and Retirement

[More »](https://proassurance.com/california-test#coverages) *u*

# Defense Outside the Limits

[More »](https://proassurance.com/california-test#coverages) *w*

# Info Security & Admin Defense

[More »](https://proassurance.com/california-test#infonet) *a*

## ![NORCAL Mutual](https://proassurance.com/hs-fs/hubfs/Website/Logos/NORCALMutual-Logo-180-white.png?width=150&name=NORCALMutual-Logo-180-white.png "NORCAL Mutual")

NORCAL Mutual brings an [A.M. Best “A” (Excellent)](https://proassurance.com/ambest?hsLang=en) rating and 40 years of strength and stability to California physicians who deserve a committed medical professional liability insurance provider.

- ![California](https://proassurance.com/hubfs/Website/State-Icons/icon_state-CA.svg) California ** Coverages **
- ![California Benefits & Info](https://proassurance.com/hubfs/Norcal_Mutual_Images/icon_info.svg) California ** Benefits & Info **
- ![California Applications](https://proassurance.com/hubfs/Norcal_Mutual_Images/icon_pdf.svg) California ** Applications **

![California](https://proassurance.com/hubfs/Website/State-Icons/icon_state-CA.svg)

## California Coverages

### 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**

![California Benefits & Info](https://proassurance.com/hubfs/Norcal_Mutual_Images/icon_info.svg)

## California Benefits & Info 

### Protecting You Through the Day to Day

#### **[MyACCOUNT](https://proassurance.com/myaccount?hsLang=en) **

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](https://proassurance.com/myaccount?hsLang=en) today.

#### **[Risk Management Solutions](https://proassurance.com/risk?hsLang=en)**

- **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](https://proassurance.com/mynorcal?hsLang=en)**

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

|   | AUTOMATIC WITHDRAWAL (ACH) | DIRECT BILL |
| --- | --- | --- |
| 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

##### [ACH Authorization Form](http://files.norcalmutual.com/hubfs/Documents/Forms/NORCAL_ACH-Authorization.pdf)

![California Applications](https://proassurance.com/hubfs/Norcal_Mutual_Images/icon_pdf.svg)

## California 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 [submissions@norcal-group.com](mailto:submissions@norcal-group.com). 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:  
   **[submissions@norcal-group.com](mailto:submissions@norcal-group.com)**

#### **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](https://get.adobe.com/reader/) installed.

##### [PHYSICIANS, SURGEONS, DENTISTS AND PODIATRICS](http://files.norcalmutual.com/hubfs/Applications/NORCAL_HCP_CA_Physicians-Surgeons-Application.pdf)

##### [ENTITY / ORGANIZATION](http://files.norcalmutual.com/hubfs/Applications/NORCAL_HCP_CA_Entity-Organization-Application.pdf)

##### [MEMBERS OF LARGE GROUPS](http://files.norcalmutual.com/hubfs/Applications/NORCAL_HCP_CA_Members-of-Large-Groups-Application.pdf)

##### [HEALTH CARE EXTENDERS](http://files.norcalmutual.com/hubfs/Applications/NORCAL_HCP_CA_Healthcare-Extender-Application.pdf)

##### [HEALTH CARE GENERAL LIABILITY](http://files.norcalmutual.com/hubfs/Applications/NORCAL_HCP_CA_Health-Care-General-Application.pdf)

##### [TEST Sixth CTA](https://www.behance.net/)

Interested in NORCAL Group?

**Contact Your Agent/Broker** or call 844.4NORCAL today

## ![mynorcal_app-logo-icon_ad-module.png](https://proassurance.com/hs-fs/hubfs/Website/Logos/mynorcal_app-logo-icon_ad-module.png?width=253&height=53&name=mynorcal_app-logo-icon_ad-module.png "mynorcal_app-logo-icon_ad-module.png")

### Earn CME Credits Anytime, Anywhere

Fast, simple and convenient access to online accredited continuing medical education, allowing you to receive CME credit and certificates while on the go.

[![MyNORCAL CME App](https://files.norcal-group.com/hubfs/Website/Thumbs/NORCAL_MyNORCAL-App_thumb1.png)LEARN MORE »](https://proassurance.com/mynorcal?hsLang=en)

[![Apple_App_Store_Badge_135x40.png](https://proassurance.com/hs-fs/hubfs/Website/Apple_App_Store_Badge_135x40.png?width=135&height=40&name=Apple_App_Store_Badge_135x40.png "Apple_App_Store_Badge_135x40.png")](https://itunes.apple.com/us/app/mynorcal/id958984166) [![android-app-on-google-play_119x40.png](https://proassurance.com/hs-fs/hubfs/Website/android-app-on-google-play_119x40.png?width=121&height=40&name=android-app-on-google-play_119x40.png "android-app-on-google-play_119x40.png")](https://play.google.com/store/apps/details?id=com.norcalmutual.mynorcal)

* NORCAL Group, now part of ProAssurance, includes NORCAL Insurance Company and its affiliated companies.

[![AM Best](https://proassurance.com/hubfs/Norcal_Mutual_Images/graphic_am-best.png)](https://proassurance.com/ambest?hsLang=en)

- [About](https://norcal-group.com/about) 
    - [About Us](https://norcal-group.com/about)
- [Coverages](https://norcal-group.com/state)
- [Claims](https://www.proassurance.com/report-a-claim/)
- [Resources](https://www.norcal-group.com/resources) 
    - [HIPAA Resources](https://proassurance.com/hipaa)
    - [Website Accessibility](https://proassurance.com/accessibility)
- [Pay](https://www.norcal-group.com/pay)

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