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By Physicians, For Physicians

Exceptional Medical Malpractice Coverage for Large Groups
The CAPIC Difference

With Cooperative of American Physicians Insurance Company (CAPIC), medical groups get more than just typical medical malpractice coverage—they get superior protection, support, and service.


Secure Trusted Coverage

CAPIC maintains an A- (Excellent) rating from AM Best.¹ It is a wholly owned subsidiary of the Cooperative of American Physicians, Inc. (CAP). Accessed exclusively through our broker partners, CAPIC offers surplus lines coverage for sophisticated clients who need flexible and comprehensive solutions.

With CAPIC, insureds receive:

  • Experienced, flexible, and targeted underwriting
  • Medical premises liability and standalone general liability is available
  • Regulatory defense sublimit for medical license, Medicare and Medicaid billing, and OSHA
  • Access to practice management and business solutions that can help clients save time and money
Superior Claims Management and Assertive Legal Defense

With CAPIC, insureds get the protection they need, backed by the talents of experienced claims professionals and defense attorneys who specialize in medical professional liability. Our skilled claims team thoroughly investigates and analyzes each claim to reach an efficient resolution, while our top-tier lawyers specialize in handling sensitive legal matters and prioritizing optimal outcomes. We don’t file unnecessary motions, we won’t get bogged down in unwarranted depositions, and we avoid excessive discovery. That all adds up to efficient claims management and cost savings. 

CAPIC provides: 

  • Prompt claims investigation and defense 
  • Consultation with specialty-specific, board-certified physicians 
  • Collaboration with our insureds for their input on claims resolution 
  • CAP Litigation Education Retreat to educate, support, and optimally prepare members for trial



Exceptional medical malpractice coverage is just the start of the comprehensive benefits enjoyed by CAPIC insureds. CAPIC offers tailored risk management programs, exclusive medical group benefits, and essential practice management support designed to help you save time and money, and enjoy unparalleled peace of mind.


Customized Risk Solutions

CAPIC offers a relevant and robust suite of risk management and practice management solutions that help insureds minimize professional liability exposure, improve patient safety and outcomes, reduce costs, and operate more efficiently. 

We work with clients to combine and tailor these tools to fit their organization’s unique risk and patient safety needs.

Risk Management Hotline
For quick answers to questions about informed consent, patient experience, clinical operations and transitions of care, electronic health records (EHRs), HIPAA compliance, and much more.

24/7 Risk Management Consultation for Adverse Events
When an unexpected outcome occurs, our risk management and patient safety specialists are available 24/7 to offer non-judgmental, confidential, and objective support, with guidance at every stage of the process.

Practice Survey
Our customized surveys help our clients assess practice operations so they can implement policies, procedures, and best practices to help avoid lawsuits, improve outcomes, and promote patient safety. The surveys offer insight on defensive documentation, complaint management, appropriate delegation of duties, recall and tracking, and patient confidentiality.

Litigation Education Retreat
This free program helps clients understand how to navigate the litigation process and effectively deal with litigation stress.

CAP's Risk Rounds
Specialty Specific CME: Online programs designed to provide data-driven insight into risk management practices within “high value” topics, while sharing peer results.

Live and On-Demand Webinars
Our webinars cover a wide range of topics addressing areas such as the physician/patient relationship, adverse patient events, managing a medical office and staff, and more.

Access to Current Resources, Publications, and Best Practices
Our suite of online and print educational guides, articles, newsletters, and other publications cover specialty-specific claims information, medical risk reduction strategies, and case studies of real-life litigated malpractice cases. Plus, CAPIC’s medical groups have access to assessments, reports, and best practice resources through our affiliation with the Emergency Care Research Institute (ECRI).

Forms, Toolkits, and Resources
Get easy-to-use communication templates for common issues relating to patient consent, language barriers, privacy notices, HIPAA compliance, and more. Through our affiliation with ECRI we can provide a broad range of nationwide evidence-based resources reflecting best practices.



Medical Group Benefits

CAPIC offers optimal supplemental benefits which are available for purchase by medical groups at a discounted group premium. Certain exclusions and deductibles may apply. 

CyberRisk Liability Insurance 
Provides $50,000 per claim and up to $250,000 annual aggregate protection, subject to a $2,500 per covered claim deductible, against potential data breach, including privacy liability, computer information security, electronic media liability, patient and regulatory notification, and regulatory fines and penalties. 

Employment Practices Plan 
Provides reimbursement up to $50,000 per Employment Event and $150,000 for all Employment Events per plan period to help cover legal expenses associated with employment-related lawsuits alleging wrongful termination. 

Group Long-Term Disability Insurance2 
Provides up to $2,000 a month in disability insurance for up to 24 months should a physician become disabled. Additional coverage may be increased up to a total of $10,000 per month.

Group Term Life Insurance2 
Provides a $10,000 benefit in the event of a physician’s death. 



Money and Time-Saving Practice and Business Solutions

Group Purchasing Program
A free benefit that grants access to money-saving contracts for medical/surgical and non-medical supplies.

Online Marketing Platform 
An all-in-one solution to manage and automate healthcare marketing, online reviews, patient scheduling, and more.

Patient Experience Survey Program 
A specialty-specific online survey platform that quickly and accurately reports patient reviews about the appointment experience.

HIPAA Compliance and IT Support 
A cost-effective, one-stop solution for achieving and maintaining a practice’s HIPAA compliance requirements. Dedicated IT support to manage and monitor a practice’s systems and networks.

Online Compliance Training 
Web-based courses for employees on topics like HIPAA, OSHA, billing, and more.

CAPIC is a non-admitted insurer

1AM Best Credit Rating Analyst 

2Physicians must work an average of at least 17.5 hours per week, on behalf of the named insured entity, in order to be eligible for this benefit. Supplemental medical group benefits are not subject to surplus lines taxes or commission.