Medical Professional Liability Coverage You Can Count On

As a physician-led medical professional liability insurance carrier, MICA understands the challenges that independent medical practices face. Fill out a few details so we can let you know how we can best support your practice.

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.

MICA Offers Medical Professional Liability Coverage in AZ, UT, CO, and NV

Insurance Coverage Highlights

Claims Expertise

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

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
e-Med Protection

e-Med Protection

  • All new and renewal policies are issued with the e-Med Protection Coverage at no additional premium cost
  • If you need additional protection and limits higher than $100,000, additional coverage is available through our partner Tokio Marine HCC 
  • Coverage options under the stand-alone policy include an option for Cyber Liability, MEDEFENSE® Plus, or both with limits of $1,000,000 and higher

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

Additional Highlights

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

Who Does MICA Protect?

Individual Physician

Individual Physicians

Advanced Healthcare Professional

Advanced Healthcare Professionals

Medical Facility

Medical Facilities

Physician Group

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.