California market
Two carrier systems separate Riverside from Los Angeles and Orange counties.
The other two systems keep the three counties together. Check the territory on each quote before you compare premiums.
Compare four carrier territory systems
Each carrier assigns Riverside County inside its own filed territory system.
| Carrier | Riverside County treatment | Counties in the same filed group | Filing record |
|---|---|---|---|
| TDC | Territory A | Riverside; San Bernardino | The Doctors Company, California Rate Pages, Edition 10/14, p. CA-R-1; CDI filing DCTR-129531290, approved 2014-08-07 |
| MedPro | Area 1 | Los Angeles; Orange; Riverside; San Bernardino | MedPro SR-CA-III-4 / RT-CA, Edition 07/01/13; CDI filing 13-3635 / SERFF MDPC-129010877, approved 2013-08-07 |
| NORCAL | Territory 5 | Riverside; San Bernardino | NORCAL Mutual Insurance Company, California Medical Professional Liability Insurance Underwriting Manual, 08/01/2015 (corrected copy), pp. 7-11; CDI filing 14-7766;14-7767 / SERFF NCMC-129678275, approved 2015-09-28 |
| MIEC | 1.900 relativity | Los Angeles; Kern; Orange; Riverside; San Bernardino | Medical Insurance Exchange of California, Countrywide Underwriting Manual - HPL (Rev 2-1-2023) with California State Exception Pages; CDI filing 20-4143 / SERFF PERR-132594120, approved 2023-02-07, effective 2023-02-01 |
California Department of Insurance filings 14-4043, 13-3635, 14-7766/14-7767, and 20-4143 show that The Doctors Company and NORCAL group Riverside with San Bernardino County. MedPro and MIEC place Riverside in groups that also include Los Angeles and Orange counties.
An Orange County practice that adds Riverside work changes territory under two carrier systems. It stays in the same territory under the other two systems. Check the county group on every quote.
The four carrier systems produce two Riverside groupings
The Doctors Company uses Territory A for Riverside and San Bernardino. NORCAL uses Territory 5 for the same two counties.
MedPro uses Area 1 for Los Angeles, Orange, Riverside, and San Bernardino. MIEC applies its 1.900 geographic rate multiplier to Los Angeles, Kern, Orange, Riverside, and San Bernardino.
The territory labels do not have the same meaning across carriers. Territory A from The Doctors Company is not equal to Area 1 from MedPro. Use the county list and dollar rate from each manual.
A move between Riverside and Orange changes The Doctors Company and NORCAL territories. It does not change MedPro or MIEC territories. A move between Riverside and San Diego changes all four territories.
These Riverside County cities share one carrier territory
Riverside, Moreno Valley, Corona, Norco, Temecula, Murrieta, Hemet, Perris, Palm Springs, Rancho Mirage, Palm Desert, Indio, Coachella, and Blythe are in Riverside County. The four manuals do not use separate physician territories for these cities.
The work can still differ at each location. One physician can work in an office. Another can work at several hospitals. A third can provide mobile care.
List each legal address, facility, duty, employer, and work date. When the application requests all work locations, a physician who works in western Riverside County and the Coachella Valley should disclose both.
Record every clinician and location
For each clinician at each location, list:
- Office visits and procedures.
- Hospital privileges and call duties.
- Urgent care and emergency medicine.
- Skilled nursing, rehabilitation, and long-term care facilities.
- Ambulatory surgery and accredited office surgery.
- Mobile, home-based, event, and temporary clinics.
- Telehealth work and the patient's state.
- Medical-director and supervision duties.
Add the billing entity and the policy that must cover each role. A physician can work for a group, hospital contractor, and separate professional entity during the same week.
This record shows the first and last work dates. It can also show outside work that is not on the group policy.
Use the exact facility record
The common facility name can differ from the legal name in the contract or public record. Use the legal name, facility type, privileges, and certificate requirements.
For outpatient procedures, list anesthesia, recovery, imaging, pathology, drugs, implanted devices, and emergency transfer procedures. Confirm the required license, certification, or accreditation.
The physician policy covers specified professional services and insured people. The facility policy covers specified facility operations and entities. Facility ownership does not combine these policies.
Use the procedures to select the class
The county does not determine the specialty class. The physician's work determines the class.
An orthopedic surgeon who performs spine surgery can have a different class from one who does not. A family physician who provides obstetric care can have a different class from a general office practice. Independent urgent-care work can differ from hospital emergency work.
Comparable submissions should use the same disclosed procedures, call duties, supervision duties, facilities, and patient population. Keep each carrier's written class description with its quote so the classification remains verifiable.
Use the rate explorer after you confirm the class. A filed county rate for the wrong class is not a valid comparison.
Review every added county location
Collect the same information whenever the practice adds work in another county:
- Legal address and first patient date.
- Clinicians, contractors, and employing entities.
- Procedures and services at the location.
- Facility relationships and required limits.
- Equipment, drugs, imaging, laboratory, and recovery functions.
- Retroactive dates and policy for the work.
- The policy-required notice response, written confirmation, or issued endorsement.
Do not wait until renewal if care will start before the renewal date. Coverage must apply no later than the first date for which the practice intends the policy to cover the work.
Check the group limits
A group can add clinicians or locations without changing the limits shown on the declarations page. More people and work can then share the same annual aggregate limit.
The limit review must identify every person and entity that shares the aggregate. It must also account for hospital contracts that require individual limits.
Keep each clinician's retroactive date and first work date on the clinician list. A credentialing delay or late endorsement can make the policy date different from the employment date.
Two carrier systems change territory at the Riverside county line
The Doctors Company and NORCAL separate Riverside from Los Angeles and Orange. MedPro and MIEC keep the counties together. Each quote must show Riverside County and use the physician's disclosed work, quoted class, limits, policy form, retroactive date, and restrictions.