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Business and Personal Insurance
Coverage tailored to physicians and medical practices.

In addition to medical malpractice coverage, CAP offers members an extensive line of high quality business and personal insurance through our wholly owned subsidiary, CAP Physicians Insurance Agency (CAP Agency). CAP Agency not only administers the value-added insurance benefits you automatically receive when you join CAP,  but also provides members with competitively priced insurance products for purchase from carriers rated “A” (Excellent) or better by A.M. Best.

 
Let us help you protect your practice.
Call 800-819-0061 or email: CAPAgency@CAPphysicians.com.

 

Business Insurance

It’s essential to properly protect all aspects of a medical practice. That’s why CAP Agency offers CAP members a wide spectrum of business insurance products for purchase at affordable rates and tailored to the healthcare practitioner.

Business Owners Policy (BOP)
Business Owners Policy (BOP)

CAP Agency has arranged to provide CAP members with a business owner’s policy tailored to the needs of the medical practice. A BOP combines a wide range of liability and property coverage into a package that is typically less expensive than purchasing the coverage individually. Typically a BOP includes coverage for:

  • Business Liability
  • Building and Business Personal Property
  • Business Income and Extra Expense
  • Accounts Receivable
  • Valuable Papers
  • Employee Dishonesty

BOP coverage through CAP Agency also includes enhanced features specifically for medical practices.

For more information, contact the CAP Agency at 800-819-0061 or CAPagency@CAPphysicians.com.

Workers’ Compensation
Workers’ Compensation

All California employers must provide Workers' Compensation benefits to their employees. Workers' Compensation insurance pays the medical expenses of injured employees along with compensation for lost income. It also protects the business owner against lawsuits stemming from workplace accidents.

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.

For more information, contact CAP Agency at 800-819-0061 or CAPAgency@CAPphysicians.com.

The Physician's Action Guide to Business Insurance
The Physician's Action Guide to Business Insurance

The Physician's Action Guide to Business Insurance will take a closer look at the other types of coverage available to physicians, what these policies cover, and how to make an informed decision about the amount and types of insurance that are appropriate for you and your practice. Download the guide.

MEDEFENSE™ Plus
MEDEFENSE™ Plus

This enhanced coverage of the MedGuard plan protects you against potential expenses related to non-compliance audits and proceedings. MEDEFENSE™ Plus will reimburse you for any legal or audit expense, and/or fines or penalties arising out of:

  • Inquiries by the Medical Board of California
  • Allegations of Medicare/Medicaid and Private Payor fraud and abuse
  • Recovery Audit Contractor (RAC) audits
  • Alleged non-compliance of HIPAA, STARK, or EMTALA regulations
  • Fines and penalties for HIPAA violations

For more information, contact CAP Agency at 800-819-0061 or CAPAgency@CAPphysicians.com.

CyberRisk
CyberRisk

As physicians adopt patient electronic medical records and share these records among different health care providers, they are facing an avalanche of new regulations with potential civil monetary fines. Added to HIPAA is the Health Information Technology for Economic and Clinical Health (HITECH) Act, enacted to secure patients’ personal identity and health information.

Traditional property and liability insurance typically does not cover these exposures. Rather, a tailored insurance response is required to address the varied risks now emerging.

In addition to the $50,000 CyberRisk protection CAP members automatically receive, they are eligible to purchase additional coverage with limits of $1 million to further protect you.

For more information, contact CAP Agency at 800-819-0061 or CAPAgency@CAPphysicians.com.

Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance (EPLI)

EPLI is an often-overlooked but vital coverage for medical practices. This important policy provides for the defense and indemnity costs of:

  • Lawsuits brought by employees, former employees, and job applicants
  • Third parties alleging discrimination, wrongful termination, harassment, and more

For more information, contact CAP Agency at 800-819-0061 or CAPAgency@CAPphysicians.com.

Directors and Officers Liability
Directors and Officers Liability

Protects directors, officers and the entity against liability exposures associated with the operation of corporate entities and partnerships.

For more information, contact CAP Agency at 800-819-0061 or CAPAgency@CAPphysicians.com.

Errors and Omissions
Errors and Omissions

Provides protection to physicians who perform consulting activities apart from patient medical care. Services include:

  • Evaluating court-ordered child custody and child abuse
  • Reviewing medical records for insurance companies
  • Evaluating defendants in criminal cases
  • Providing an expert medical opinion in a civil trial
  • Performing peer review, credentialing, or utilization management for a third party
  • Workers' Compensation and Disability Evaluations

For more information, contact the CAP Agency at 800-819-0061 or capagency@capphysicians.com.

Fact
All California employers must provide workers' compensation benefits to their employees.
Voluntary Benefits

Beginning January 1, 2017, we are happy to announce the addition of two new products available to you for purchase on a guaranteed issue basis.  We are proud to introduce Group Critical Illness and Group Accident Insurance Plans.

Log into the Member's Area of the CAP website to access the Benefits Enrollment portal. The Benefits Enrollment portal offers you convenience to enroll online any time and is your one-stop shop for benefit information.

CAP Group Critical Illness Insurance
CAP Group Critical Illness Insurance

CAP Group Critical Illness Insurance1 pays you, your spouse, and dependent child a lump sum benefit that you select for certain conditions such as cancer, heart attack, stroke or major organ failure. You can use this coverage more than once. If you receive a full benefit payout for a covered illness, your coverage can be continued for the remaining covered conditions. 

Plan Design:

  • Member: $10,000, $20,000 or $30,000 of available coverage
  • Spouse: $5,000, $10,000 or $15,000 of available coverage
  • Dependent Child(ren): Automatically covered at 25% of the member amount

Covered Conditions: 

  • Heart attack, blindness, major organ failure, end-stage renal (kidney) failure, benign brain tumor, coronary artery bypass surgery (25%), cancer, carcinoma in situ (25%), stroke, coma, paralysis

For additional details, please download this flyer. To enroll now, log into the Member's Area of the CAP website to access the Benefits Enrollment portal.

1Pre-existing condition exclusions apply. Member must purchase coverage in order to purchase spouse and/or child coverage and must be working at least 17.5 hours a week to be eligible to apply for coverage. Member must purchase coverage in order to purchase spouse and/or child coverage; Spouse issue ages 17 to 64 years only; dependent children ages newborn to 26. Must have comprehensive medical coverage in order to apply for Critical Illness coverage.

CAP Group Accident Insurance
CAP Group Accident Insurance

CAP Group Accident Insurance1 pays you, your spouse, or dependent child a set benefit amount that covers certain conditions in the event of an accident such as hospitalization, blood/plasma/platelet transfusions, burns and joint dislocations.

Plan Design:

  • Coverage any time
  • Portable if you leave CAP or retire
  • Available family coverage

Added Coverage:

  • $50 wellness benefit - per insured, per calendar year for receiving a covered health screening

For complete details, please download this flyer and this schedule of benefits. To enroll now, log into the Member's Area of the CAP website to access the Benefits Enrollment portal.

1Pre-existing condition exclusions apply. Member must purchase coverage in order to purchase spouse and/or child coverage and must be working at least 17.5 hours a week to be eligible to apply for coverage. Member must purchase coverage in order to purchase spouse and/or child coverage; Spouse issue ages 17 to 64 years only; dependent children ages newborn to 26. Must have comprehensive medical coverage in order to apply for Critical Illness coverage.

Life and Disability Insurance

CAP Agency has negotiated advantageous life and disability insurance programs for CAP members.

Life is unpredictable. Be prepared.
Personal Insurance

Personal coverage uniquely designed to protect your assets, especially those that require higher levels of protection and are not typically available in standard policies. We work with Integro, one of the largest brokers in the country, to bring you traditional and specialty personal lines coverages uniquely designed to protect your assets. Visit the CAP – Integro site to learn more or apply for coverage.

Homeowners and Automobile
Homeowners and Automobile

Homeowners and Automobile insurance covers:

  • High-valued homes
  • Vacation homes and rental homes
  • Fine Art, jewelry, and collections
  • High valued vehicles
  • Recreational vehicles
  • Yachts and watercraft
  • Private Aircraft
  • Gentlemen farming and wineries
  • Hard-to-place exposures such as brush, flood, earthquake

Get more information and apply online now.

Group Personal Excess Liability (Personal Umbrella)
Group Personal Excess Liability (Personal Umbrella)

Physicians are vulnerable to personality liability lawsuits, which can generate exposures that easily exceed homeowners and private passenger automobile insurance limits.  CAP Agency offers highly competitive rates on this must-have coverage.

To learn more about how you can better manage your risk with a Group Personal Excess Liability policy, contact Integro Insurance Brokers at 888-516-1335 or Linda.Giffin@integrogroup.com. Or enroll online today.

Pet Insurance
Pet Insurance

CAP has partnered with Petplan pet insurance, so you can provide the love and hugs, and let this coverage help cover the cost of unexpected veterinary bills.  Learn more and sign-up for Petplan Pet Insurance.

Fact
In 2014, 5.3 percent of insured homes experienced a claim. Property damage, including theft, accounted for 97.3 percent of those claims.
  • Insurance Information Institute
Health Insurance

CAP Agency has affordable individual and group health insurance plans to best meet the wellness needs of your staff and your family.

For more information, contact the CAP Agency at 800-819-0061 or CAPAgency@CAPphysicians.com.

Apply now! Enjoy the benefits of CAP protection.