Trusted Protection in the Southwest
As a mutual insurance company, MICA is owned by and responsible to its policyholders. That means MICA is not beholden to stockholders who profit from the company’s operations. All premium and investment income goes to pay claims, operate the company, and accrue for the benefit of our policyholders. Medical professionals and groups in Arizona, Utah, Colorado, and Nevada can benefit from our superior medical malpractice coverage and service.
Insurance Coverage Highlights
Collaborative Claims Process
- We won't settle a claim without the insured’s consent
- Insureds may report “potential claims” and “lock in” coverage for future claims
- Discretionary medical payments up to $10,000 per occurrence, for the medical expenses of persons injured by an insured’s treatment, regardless of fault
Assertive Defense
- Work with local attorneys who are highly experienced in MPL defense litigation
- Defense costs do not erode an insured’s limits of liability and we will defend an insured even if their limits of liability are exhausted by claims payments
- Reimbursement of up to $1,500 per day for attendance at trial or arbitration
Cyber Liability and Regulatory Defense Coverage
- All new and renewal policies are issued with the Cyber Liability and Regulatory Defense coverages at no additional premium cost.
- If you need additional cyber protection and limits higher than $100,000, additional coverage is available through our partner Tokio Marine HCC .
*Nevada Insureds: Regulatory Defense in Nevada does not include coverage for EMTALA proceedings and Stark proceedings (per statutory requirement). MICA does not provide Cyber Liability coverage on policies with an effective date on or after January 1, 2024.
Additional Highlights
- Part-time discounts are available depending on hours and specialty
- Vicarious liability coverage is included with individual policies and available to group coverage for an additional charge
- Volunteer coverage for insureds who retire and leave private practice
- Free tail in the event of retirement, disability, or death
Individual Physicians
Advanced Healthcare Professionals
Medical Facilities
Physician Groups
Medical Professional Liability Basics
We have covered common questions for you about the basics when it comes to medical malpractice insurance, what type of medical liability claims are covered, and what is important when selecting a carrier. You can also learn more the malpractice litigation process and what must be proven in a malpractice lawsuit.