HPL forms are usually written on a combined basis with commercial general liability (CGL) policies to avoid "gray area" situations in which coverage could apply under either policy. HPL forms cover hospital employees but not independent contractor staff physicians who have been granted admitting privileges. Rather, such individuals are required to maintain their own professional liability insurance. Retention levels under HPL forms are often substantial, with $1 million self-insured retentions (SIRs) not uncommon for even small hospitals. The policies are normally written with a claims-made coverage trigger.