Skip to main content

Does Your Business Have Sufficient Workers’ Compensation Coverage?

You already know that all California employers are required by law to have workers’ compensation insurance. This coverage pays for the medical expenses of injured employees as well as compensation to the employees for lost income.

Most policies also protect physician-owners against lawsuits stemming from workplace accidents. According to the U.S. Bureau of Labor Statistics, the private healthcare sector reported having the highest number of non-fatal occupational injuries and illnesses in 2017. The top causes cited were overexertion, slips/trips/falls, and contact with objects or equipment. Due to these unfortunate events, healthcare professionals may decide to work through the pain and/or discomfort while risking the possibility of worsening the injury or illness.

On-Demand Webinar: Key Strategies for Ensuring a Profitable Independent Practice
During this one-hour program, practice management expert Debra Phairas discusses how various business models and operational enhancements can increase revenue to help your practice remain successful in today’s competitive marketplace.

CAP Physicians Insurance Agency, Inc. (CAP Agency) intimately understands medical practice challenges — and how to insure against those challenges most cost effectively. We are a full-service agency with knowledgeable professionals who can answer your questions and help you find the best solutions for your insurance needs.

Filing a claim should not be the first time you review your business insurance. CAP’s Specialized Workers’ Compensation Program, provided through Hanover Insurance Group, offers comprehensive workers’ compensation coverage for medical practices at negotiated low group rates for CAP members. Our insurance professionals at CAP Agency also can help you evaluate whether you have adequate coverage for your practice.

We are always looking for ways to save our members money. If you need to purchase coverage or would like us to get you a competitive quote for insurance you already have, call us at 800-819-0061 or send us an email at

For more information about physician-specific insurance programs, request a free copy of Physician's Guide to Choosing the Right Insurance.

When seeing patients, the physician’s practice is no place for taking chances. The same goes for running a unique business like yours. Customization is key when securing the right insurance and the first step is understanding the options available.

Get the free guide today and discover a convenient and easy way to approach your insurance portfolio. To get your copy, please call 800-819-0061 or email