Practice areas

Clinic Mutual Insurance Company

The roots of the Clinic Purchasing Group Program (CPG) go back to 1987, when Chapman joined forces with several leading nonprofit clinics and associations to create the Clinic Mutual Insurance Company (CMIC), a clinic-owned medical liability insurance company. In 1997 NORCAL assumed CMIC's book of business, roughly 120 clinics in California and other Western states. Since then, the CPG program has grown to approximately 230 clinics. In 2009, NORCAL undertook a revision of the CPG policy to ensure that coverage is in line with current clinic practice and to enhance some areas of the program.

NORCAL Mutual Insurance Company provides specialized medical liability coverage for thousands of community-based healthcare clinicians through the CPG program, with Chapman as the exclusive broker. The program delivers a broad range of policy coverages and services customized for community clinics. Coverage is even extended to volunteers and contract providers.

Through CPG, Chapman can help your nonprofit receive specialized medical liability coverage. The uniquely tailored program is designed to provide you with comprehensive protection and the peace of mind necessary for you to focus on what really matters - your community and patients. The program's many benefits include:

Clinic and employee coverage
The right to consent to settle -Defense spending that is uncapped
and outside the limits of liability
Physician Administrative Defense (PAD) Reimbursement Coverage
Optional Prior Acts Coverage

CPG also offers optional FTCA Gap Coverage. Many healthcare facilities covered by the Federal Tort Claims Act (FTCA) offer services that fall outside federal protection, leaving them potentially exposed to major liability risks. CPG's Gap Coverage "wraps around" your existing FTCA coverage, creating a comprehensive medical liability solution.

NORCAL's Physicians Administrative Defense (PAD) Reimbursement Coverage helps protect you and your employed licensed healthcare professionals against the financial impact of an administrative investigation or employment-related civil action. In such cases, NORCAL pays your legal defense costs, up to the applicable limits of reimbursement.

In addition to comprehensive medical liability coverage, NORCAL offers expert risk management and claims handling services, unmatched in the industry.

Through CPG, Chapman provides community clinics throughout the Western United States with outstanding coverage tailored to their unique needs.

Please contact us for additional information on the CMIC Program.

Regional Center Program

Chapman believes in the remarkable value of California's Regional Centers. This belief has been the inspiration behind our insurance program specifically tailored to help these important nonprofit organizations.

As the representative of the vast majority of Regional Centers in California, Chapman knows and understands their individual needs. Our exclusive package of unique, cost-effective coverage options was designed to target the specialized needs of California's Regional Centers and help them thrive.

Policies are available to cover such insurance needs as:

General and Professional Liability
Sexual-Abuse Liability
Auto Coverage: owned and non-owned
Property Coverages for buildings, contents, loss of income, extra expenses, and valuable papers

Charter School Development Center

Understanding your cause is where our commitment begins.Chapman, along with thte Charter Schools Development Center, understands your vision—centered around building schools, providing education, and protecting students. Together we have developed a comprehensive and affordable insurance and risk management program to meet the specific needs of chanrter schools. Our program not only accounts for employee benefits and liability, but also helps improve school policies and practices to reduce liability exposure. Our trusted consultants provide the expertise and understanding to protect your organization so that you can enable every child to achieve.

Our Charter School Program is a CSDC is a member only insurance program.

"CSDC Member" Insurance Program

The "CSDC Member" Insurance Program, developed by Chapman Insurance Brokers, provides members of the Charter Schools Development Center with a strong, comprehensive, and affordable insurance program that includes both employee benefits and liability coverage.

Delivered with school leadership training, best practices consulting, personal HR guidance and integrated technology, the “CSDC Member" Insurance Program equips charter schools to attract, support and retain quality employees.

Chapman has selected experienced providers of insurance products and services for the “CSDC Member” Insurance Program.

The Partnership: Chapman and CSDC

Chapman Insurance and the Charter Schools Development Center worked collaboratively for many months to generate an insurance program that would meet the specific needs of charter schools. The program was initiated with the intent to achieve three primary goals:

To provide insurance coverage that would meet the particular needs of charter schools.
To provide wrap-around support services to help improve school policies and practices, helping schools reduce their liability exposure.
To offer comprehensive insurance coverage at below market costs.

Both Chapman and CSDC are proud to say that we have achieved these three goals and are excited to be sharing this program with the charter school community.

Community First Workers' Compensation Program

Community First Everest National Program

Launched in December 2000, Community First was designed to provide Chapman clients with a reliable, cost-effective alternative to traditional Workers' Compensation (WC) insurers who were offering only high-cost, low-service policies.

The Community First Program is a guaranteed-cost WC program that is underwritten by an A+ (XV) insurer that is licensed and approved to operate in California. The program is not a self-insured group or alternative-risk insurance program. Instead, it is a guaranteed-cost program identical in risk to any standard insurance program.

Highlights of the unique program include:

Open to class codes most other insurers will not entertain
Underwritten by a financially-strong insurance company (A+ XV)
Lower deposit payment requirements and installment plans
Use of Gallagher Bassett's nationally recognized claims services
Access to Concentra's largest medical-provider network in the U.S.
Access to more and improved loss-control services

Since its inception, over 400 Chapman clients have chosen to be insured through the Community First Program. In total, these nonprofits have saved over $8,000,000 in premiums.

In enhancing the Community First Program, Chapman has partnered with the following leading insurance-services firms:

Everest National Insurance Company

Everest National is an A+ (XV) insurer that is licensed and approved to operate in California. This insurer has agreed to work exclusively with Chapman on the Community First Program.

www.everestnational.com

New York Marine & General Insurance Company

New York Marine & General Insurance Company is an A (VIII) insurer that is licensed and approved to operate in California. This insurer has agreed to work exclusively with Chapman on the Community First Program.

Community Clinic Insurance Company

Community Clinic Insurance Company Workers' Compensation Program

Chapman has worked hand in hand with the Community Clinics Insurance Company (CCIC) to develop an innovative, well-rounded Workers' Compensation Program focusing on the servicing needs of California's clinics. The CCIC was launched in 2004 to help meet the workers' compensation needs of community clinics and provide a long-term solution for these organizations.

Chapman currently provides risk management and insurance services to more than 160 community clinics throughout the western United States. In fact, we are the exclusive broker for the clinics' mutual program, combining a stable insurance company with leading providers of claims-management and loss-control services.

Find out more information on the Community Clinics Insurance Company Workers' Compensation Programs by contacting us.

Program Structure

Insuring Company

Underwritten by Discover Re Managers
Guaranteed cost policies issued utilizing USF&G paper
AM best-rated A XV
Both Discover Re Managers and USF&G are members of the St. Paul Travelers Group Claims Services
The Board of CCIC along with HR directors from two of the largest clinics in California interviewed three different Third-Party Administrators (TPA)
Gallagher Basset was hand-picked because of its successful track record and dedication to customer service
Gallagher Basset combines state-of-the-art technology with claim-handling expertise to assist clinics in properly managing claims

Loss Control

Willis Pooling Loss Control Services is a specialty unit made up of loss-control professionals who specialize in the unique loss-prevention needs of our clients

The team works closely with the clients' management in formulating strategies for the program as well as working with individual members in pursuit of reducing events or occurrences which could impact their loss history or financial position

It is the mission of the Loss Control Services team to provide support to CCIC members in their efforts to establish and maintain effective loss-control policies and practices.