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. Or you can fill out this quote request form.

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. Or you can fill out this quote request form. 

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.

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.

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.

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.

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.

*A deductible may apply

CAP members and their staff have access to free HIPAA training through NAS CyberNET®. With 24/7 access to online training courses, NAS CyberNET® helps physicians mitigate the risk and impact of a cyber breach. For complete details, please visit our HIPAA training article.

CAP Physicians Insurance Agency, Inc. (CAP Agency), a wholly-owned subsidiary of the Cooperative of American Physicians, Inc. (CAP), is pleased to partner with MetLife to provide CAP members and their families with exclusive access to a wide range of personal insurance products and flexible plan options at competitive large group rates.¹

The following products are available for purchase to you and your family members during the limited enrollment* period with no medical underwriting or health exams required:

• Short Term Disability :A $1,000 weekly benefit plan that begins to pay after the 14th day of injury or illness
• Long Term Disability: Up to $10,000 monthly benefit available² and payable up to five years or up to social security normal retirement age
• Hospital Indemnity: Choose between a low and high plan; Plan offers payments of up to $2,000 for admission and up to 15 payments of $400 per day in the hospital
• Critical Illness: Receive a lump sum payment up to $30,000 when you or your covered dependents are diagnosed with a critical illness; A $50 health screening benefit is payable once per year for each covered member
• Accident: Benefits between $50 and $50,000 are available to help cover unforeseen bills after an accident or injury
• Dental and Vision (purchased individually): Choose from three different levels of Dental/Vision coverage through MetLife: Enhanced, Standard, and Basic; Nationwide network of preferred dentists; Flexible plan options available at preferred large group monthly rates³

The following product is available for purchase and may require medical underwriting:

Through CAP Agency’s and MetLife’s partnership, your staff may also take advantage of valuable insurance benefits at competitive group rates.

The following products¹ are available to your staff*:

• Hospital Indemnity: Choose between a low and high plan; No exclusion for a pre-existing condition; Plan offers payments of up to $2,000 for admission and up to 15 payments of $400 per day in the hospital
• Critical Illness: Receive a lump sum payment up to $30,000 when you or your covered dependents are diagnosed with a critical illness; A $50 health screening benefit is payable once per year for each covered member
• Accident: Benefits between $50 and $50,000 are available to help cover unforeseen bills after an accident or injury
• Vision: Choose from three different levels of Vision coverage through MetLife: Enhanced, Standard, and Basic; Nationwide network of preferred dentists; Flexible plan options available at preferred large group monthly rates³
• Dental: Enhanced Dental PPO plan offered by United Concordia Dental; Vast network of preferred dentists; Rich plan benefits at preferred large group monthly² rates

Download this informational flyer to learn more.

If you are interested in learning more about these staff benefits, contact your CAP Account Manager, or reach out to CAP Membership Services at MS@CAPphysicians.com or 800-610-6642.

*Your social security number is required for full access to the secure system. ¹Premium payment required; other conditions and exclusions apply. ²Billed Quarterly. ³See Schedule of Benefits.

Physicians are vulnerable to personal 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 201-356-3400 or CAPumbrella@epicbrokers.com. Or enroll online today.

CAP Physicians Insurance Agency (CAP Agency) has teamed up with Farmers GroupSelect^SM to save members hundreds on home and auto insurance through preferred rates available to members of the Cooperative of American Physicians.

There's no need to wait until your current policies expire. As a CAP member, you’re eligible for these savings right now. If you’re looking for customized coverage, you can access excellent rates on your auto and home insurance with the following benefits:

• Automatic payment options
• Claim-free driving rewards
• Superior 24/7 claim support

For more information, call Farmers GroupSelect at 1-800-438-6381 and mention your discount code E8B, or request a quote now.

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.