Asset Protection: Personalized Attention for CAP Physicians

CAP Agency certainly hopes you and your family were not affected by the fires in California last year. When disasters like this happen, it is always an opportunity to reflect on your personal insurance. Once we get the coverage for our homes, we often forget to review it regularly to make sure we still have the protection we need if something were to occur. We want to be sure if something does happen, you will be able to replace your home and all personal assets.

When it comes to protecting your personal assets, you deserve the same expert, trustworthy, personalized attention from your insurance broker that you give to your patients. That is why CAP Physicians Insurance Agency has partnered with Integro’s Private Client Group as your strategic partner committed to delivering superior service. We are available whenever you need us, and confidentiality is always guaranteed. Laura Schneider is our Integro Personal Lines expert who will review your program on an ongoing basis to evaluate potential revisions in response to economic changes, market trends, or changes in your needs.

Risk Management Lessons from Litigated Cases
Get Medicine on Trial, a free publication of more than 80 litigated cases summarized by CAP's General Counsel Gordon Ownby.

Custom Services Designed for CAP Member Physicians

Significant personal assets require higher levels of protection, often with uncommon coverage requirements not available on standard policies. Because your needs are unique, we work with you to create a plan designed specifically for you. As a Cooperative of American Physicians member, you are eligible to receive an offer for a variety of personal, traditional, and specialty coverages, including:

  • Home and Auto
  • Vacation Homes and Rentals
  • Fine Art, Jewelry, and Collections (including wine)
  • Recreational Vehicles
  • Yachts and Watercraft
  • Private Aircraft
  • Gentleman Farming and Wineries
  • Personal Umbrella (provided through CAP’s group program)

Group Personal Umbrella

Most of us do not like to think about the possibility of something bad happening to us or our family members, such as an automobile accident, slip and fall, or someone drowning in your pool. Bad luck can strike at any time, and inadequate liability insurance coverage can prove to be financially devastating.

As a physician-owned cooperative, CAP is able to secure exceptionally competitive rates through a Group Personal Umbrella insurance program with an A+ rated carrier, Chubb, which sits on top of your homeowners and automobile coverage to ensure you have adequate protection. This coverage applies to all family members residing in your residence.

For example, as a member of CAP you can purchase a policy that provides three million dollars in excess liability coverage for $675 per year. Additional limits are available at the same low prices, up to 20 million dollars in excess liability coverage. CAP’s personal umbrella coverage also includes, at no additional cost, one million dollars in uninsured and underinsured motorist coverage. No underwriting is required, just complete the enrollment form, pay the premium, and you are covered. It’s that easy!

To learn more about these great offerings, simply visit https://www.capphysicians.com/personal-insurance to review coverage options and complete an online application. Or call us at 800-819-0061.