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AMPA created the Elite Physicians program for its members in 2011. The idea was to reward qualified physicians with extreme savings on their medical malpractice insurance premiums. To accomplish this, we partnered with the 9th largest Malpractice Insurance carrier in the nation. We chose this carrier based on their size, exceptional service, strong balance sheet, CME content, Risk Management Services, unique underwriting, flexible payment options, technology and not to mention its 'A' (excellent) Rating from A.M. Best for over 30 straight years for its financial strength and stability. Norcal Mutual is best of breed and the perfect fit for our qualified members.



The Elite Physicians program luanched in 2011 in Arizona and has saved AMPA members millions of dollars in premiums. 

The program has strict underwriting guidelines and by staying true to those guidelines, the program participants have a loss ratio that is dramatically lower than industry standard. That means Norcal Mutual has to set aside far less money to pay for expenses related to claims. Simply put, you're more profitable than most other insureds. This is why you will get the same policy features and benefits, but pay far less.

Everyone wins. Our members win because they get a top of the line policy backed by an exceptional insurance carrier. Norcal wins because they are insuring low risk clients that are way more profitable. Finally, we win because we get to deliver on our promise of putting our clients needs first and we are rewarded with more opportunities to help new clients. 


  • $1Million / $3Million Limits of Liability 

  • $50,000 in Administrative Defense for Board Actions

  • $100,000 in Cyber Security Coverage

  • Consent To Settle so you control the settlement process

  • Defense Costs Outside the Limits of Liability so your limits won't be eroded by defense costs

  • Access to top lawyers who specialize in defending medical malpractice claims

  • Aggressive defense with over 87% of cases closed without indemnity payment

  • Free CME with access to one of the largest libraries of accredited courses with access online, in person, or via the free Norcal App

  • Free on-site Risk Management assessments 

  • Flexible payment options with zero interest charges

  • Free tail coverage upon retirement, 1 year with Norcal Mutual, and policy maturation


Although we would like to offer this program to as many providers as possible, the fact is that not all providers will qualify. To qualify you must:

  • Have a 60% or lower loss ratio - little or no claims history

  • Be Board Certified in your speciality of practice, or eligible to take your Boards

  • Be a member in good standing of AMPA


Information we'll need:

  1. Speciality

  2. Practice Location

  3. Are you Board Eligible or Board Certified?

  4. Current Premium

  5. Retroactive Date Found On Your Current Certificate of Insurance.

  6. Any Claims in the last 5-10 years

  7. For a practice level quote, please provide the names of your providers, and all the information requested above for each provider.

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