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Save Money on Must-Have Business and Personal Insurance Coverage

As a CAP member, you can access great rates on the must-have insurance coverages all physicians need. 

Even if you already have coverage, CAP Physicians Insurance Agency, Inc. (CAP Agency) can help you save money while providing you with the added convenience of securing multiple coverages, all in one place!

CAP Agency's licensed insurance agents’ sole focus is to ensure CAP members get the best coverage at the lowest possible rates. 

Learn more about three essential policies CAP Agency can customize and offer at preferred member rates, based on what’s optimal for you, your practice, and your family.

Learn more and get a quote now!

Call 800-819-0061 or email

Business Owner's Policy/Property and Casualty Insurance

Essential Protection for Your Practice

Medical practices must carefully consider the financial risks that are common to all service-oriented organizations. A Business Owner’s Policy (BOP) provides superior coverage for claims stemming from:

  • Fire, flood, and other accidental property damage
  • Non-employee injuries
  • Equipment damage
  • Libel, slander, and copyright infringements
  • Stolen property

A BOP provides you with a wide range of business liability and property/casualty coverage combined into one policy—so you can avoid purchasing these coverages separately and save!  If you are under-insured or over-insured, the experts with CAP Agency will evaluate your BOP needs to obtain the right amount of coverage at the right time. PLUS, the BOP offered through CAP Agency includes enhanced features specifically for medical practices, including free installation of water damage monitoring technology!

Personal Umbrella Coverage

Don’t Put Your Savings at Risk!

When “life happens,” personal umbrella insurance is an often overlooked but essential coverage. It provides you and your family members with additional liability coverage for any lawsuits that exceed the coverage provided under your homeowners, automobile, tenants, and recreational vehicle policies. Personal umbrella covers:

  • Bodily injury liability
  • Property damage liability
  • Landlord liabilities
  • Libel, defamation, and more!

From $3 million up to $10 million in coverage at affordable rates, you can protect your hard-earned savings from the high costs associated with lawsuits stemming from everyday life! CAP members also benefit from, at no additional cost, $1 million in uninsured and underinsured motorist coverage—with no underwriting required! You can purchase an umbrella policy in just minutes.
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Workers’ Compensation Insurance

A Vital Safeguard Required by State Law

When an injury occurs on the job, both productivity and profits suffer. Solid workers’ compensation insurance helps you return your employees to work sooner and protects you from accident-related lawsuits.

All physicians in California with at least one employee must carry workers’ compensation insurance to cover: 

  • Medical expenses
  • Employee lost income
  • Accident-related lawsuits
  • Medical expenses of the injured employee

Even if you have workers’ compensation insurance, CAP Agency may help you beat your current rates. CAP Agency’s comprehensive coverage options can be customized to your practice’s size and needs so you get the most accurate and cost-effective coverage. With a good policy, you can avoid lengthy claims processes and audits that typically occur at the end of each policy term.

Get more information and request a quote from a CAP Agency licensed insurance expert: Call 800-819-0061, email