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Business Insurance Products

The experienced insurance agents at Symphony Health work with some of the top carriers in the industry to help get CAP members the best pricing on the following business insurance products that all practices need.  


CyberRisk Liability Coverage

CAP members are eligible to purchase up to $1 million in additional coverage for cyber liability issues and get free HIPAA and security training. Medical practices are vulnerable targets for dangerous cyberattacks, which can result in stolen protected health information (PHI), HIPAA violations and penalties, identify theft, practice closure, and much more.  Excellent cyber risk insurance provides solid protection against unimaginable reputational and financial harm. 

Request additional information about cyber risk insurance coverage now.


Business Owner’s Policy (BOP)

CAP members receive low rates on enhanced coverage, which includes the installation of a free water sensor program to help avoid potentially devastating water damage. Accidents happen more often than you may think and can result in significant costs, such as securing temporary office space and replacing damaged equipment. A Business Owner’s Policy (BOP) combines a wide range of business liability and property/casualty coverage and is one of the best ways to protect your practice. 

Learn more about a BOP policy customized for your practice.


Workers’ Compensation Insurance

Symphony Health’s specialized workers’ compensation program offers members customized coverage at low rates. Workers’ compensation insurance is required by law to protect employees and employers from costly worksite injuries, but many practices fail to have adequate coverage. As an employer, you need to protect yourself from lawsuits, fines, and penalties associated with work-related employee injuries.

Get more information about worker’s compensation insurance.


Coverage for Patients Outside of California

CAP members should consider this coverage to protect against liability for services provided to out-of-state patients, including those seen via telemedicine. You may not realize that you need extra medical professional liability coverage if you are providing services to patients who reside outside of California. While CAP’s medical malpractice coverage includes telemedicine coverage for patients in California, Symphony Health can help you fill in any coverage gaps for your out-of-state patients.

Explore options for added coverage.


Employment Practices Liability Insurance (EPLI)

EPLI provides essential coverage every practice should have to protect against the costs associated with employment-related lawsuits. Employment-related claims are on the rise and the cost to physicians can be staggering. EPLI covers the defense costs of lawsuits brought by employees, former employees, job applicants, or other third parties alleging discrimination, wrongful termination, or harassment, among other claims.

Request information about EPLI coverage.


Medical Consultant Errors and Omissions Insurance

Members who take on non-clinical roles beyond the medical practice need to have this essential coverage.  If you review medical records for insurance companies, engage in non-profit work, evaluate criminal cases, or perform peer review, credentialing, or utilization management for a third party, you need extra protection. Good coverage can protect you from the costs associated with claims of negligence and errors, even if meritless, that may occur during these activities.

Learn more about errors and omissions insurance for medical consultants.


Directors and Officers Liability (D&O)

CAP members can access unique liability coverage to ensure corporate entity protection. Many physicians serve as a director or officer on the board of a hospital, nonprofit, or other commercial venture. If so, you should make sure that you are properly protected should there be allegations of negligent management. A good policy covers both the costs of legal defense and any verdicts against you that impact your personal assets. In many cases, physicians in these roles are responsible for obtaining their own policy.

Request additional information about directors and officers liability coverage.


Medical Defense and Billing Errors and Omissions

This enhanced coverage of the MedGuard plan protects members 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 from:

  • 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

Get more information about this important coverage.