Coverage and Features

MICA offers medical professional liability insurance coverage for individual physicians, physician groups, advanced healthcare professionals and medical facilities. MICA is the market leader for medical professional liability insurance in Arizona, and we are steadily growing in Colorado, Nevada and Utah.

Learn more about MICA RRG

Individual Physicians, Physician Business Enterprises (Group) and Advanced Healthcare Professionals

Individual physician, business enterprise and advanced healthcare professionals liability insurance is available on a reporting form of a claims-made insurance policy. This type of policy encourages incident reporting, and by appropriately reporting, coverage will be triggered (if the incident becomes a claim).

The policy provides coverage for medical professional liability, peer review, defense costs, supplementary payments, and discretionary medical payments. It features a consent-to-settle clause without a “hammer” and defense costs outside of the policy limits.

Things to consider when selecting a medical professional liability insurance company

Business Enterprise coverage for your group entity – i.e. corporation, partnership, or other legal entity – is available for an additional premium.

MICA's MPL Policy Includes e-Med Protection Coverage

As your medical practice increasingly relies on information technology, you need the increased protection of MICA’s e-Med Protection insurance coverage. All new and renewal policies are issued with the e-Med Protection Coverage at no additional premium cost. Click here to learn about the added benefits of e-Med Protection.

Need Higher Limits of Liability? Check out e-Med Protection Plus

If you need additional protection and limits higher than $100,000, MICA has partnered with Tokio Marine HCC to offer a surplus lines stand-alone policy. Coverage options under the stand-alone policy include an option for both Cyber Liability and MEDEFENSE® Plus or options for Cyber Liability only or MEDEFENSE® Plus only. Limits of $1,000,000 and higher are available.

This is a general description of coverage. This policy has limitations. For costs and complete details about MICA's e-Med Protection insurance, please contact MICA or your MICA broker.

* e-Med Protection Coverage in Nevada does not include coverage for fines and penalties for EMTALA proceedings and Stark proceedings (per statutory requirement).

Medical Facilities

MICA provides medical professional liability insurance for medical facilities on a Reporting Policy form of claims-made coverage. In some instances, general liability insurance may also be available.

MICA will consider the following types of medical facilities:

  • Ambulatory Surgical Center
  • Dialysis Center
  • Laboratory
  • Outpatient Physical Therapy/Speech Therapy
  • Outpatient Surgery Center
  • Outpatient Treatment Center
  • Rural and Community Health Clinic

Note: The information contained on this page is for informational purposes only and is not indicative of policy language. Please check the MICA policy for specific coverage details. Retirement tail is only available for the “Named Insured” and any “Insured Health Care Professionals” as defined in the MICA policy.

To request a specimen policy form or a copy of the NV Amendatory Endorsement, please call MICA.