Why Purchase Clinic Coverage from NORCAL Mutual’s CPG Program?
The coverage we offer you is designed to meet your unique needs—just ask any of the more than 230 community clinics currently participating in the program. In addition to providing coverage customized to fit you, we designed the program to provide:

• Aggressive, industry-leading claims handling
• Award-winning risk management programs and services
• Personal, online accounts allowing physicians to register for and complete continuing medical education (CME) courses
• Physician Administrative Defense (PAD) Reimbursement Coverage
• Optional FTCA Gap Coverage
• Optional General Liability Coverage and Prior Acts Coverage

Physician Administrative Defense (PAD) Reimbursement Coverage
The Physicians Administrative Defense (PAD) Reimbursement Coverage of the CPG program helps protect you and your employed licensed healthcare professionals against the financial impact of an administrative proceeding. In such cases, NORCAL Mutual pays your legal defense costs, up to the applicable limits of reimbursement.

Optional FTCA Gap Coverage
For federally funded clinics, the program offers optional FTCA Gap Coverage. Such clinics are covered by the Federal Tort Claims Act (FTCA), but federal regulators can reject claims, leaving clinics potentially exposed to major liability risks. Our program’s Gap Coverage provides medical professional liability coverage for claims, up to the policy limits (subject to policy terms and limits( for those claims that are excluded under the FTCA.

Gap Coverage also offers assistance in tendering FTCA claims to the government, including defense representation and payment of associated costs while the tender is being evaluated. The program is appropriately discounted for clinics covered by the FTCA.

Claims Handling
NORCAL Mutual’s claims experts provide you with the right defense attorney and expert witnesses. We protect your right to consent to settle any claim and provide uncapped defense costs to ensure the quality of defense is never compromised by financial expediency. All expenses incurred for claims defense are outside policy limits, preserving full coverage for potential indemnity payments.

Risk Management and Online CME
As a CPG program policyholder, you and your physicians enjoy access to NORCAL Mutual’s comprehensive risk management program:

• An award-winning CME program, available online.
• Around-the-clock consultation services, including on-site assessments and recommendations on how to reduce exposures, both clinical and administrative.
• The monthly Claims Rx publication featuring articles to keep practitioners informed on crucial issues.

Every physician endorsed onto your policy enjoys access to MyCME, NORCAL Mutual’s award-winning online CME program. With MyCME, users can go online to register for CME courses and track past CME activities; complete and submit Attestation and Evaluation Forms; quickly receive CME Certificates (instead of waiting a week or more); and enjoy the many other risk management resources unique to NORCAL Mutual.