Better Coverage with More Benefits

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About CAP

CAP is a unique physician-directed membership organization dedicated to providing affordable professional liability protection, while supporting California’s finest physicians.

• Assertive Claims Defense – More than 80 percent of all claims are resolved with no indemnity payment.
• Financial Stability – MPT is rated A+ (Superior) by A.M. Best – the strongest rating of any physician-owned company.
• Prior-acts (nose) Coverage – This eliminates the need to purchase tail coverage from your current carrier.
• Free Tail Coverage at Retirement
• Competitive Rates – CAP can save physicians on medical professional liability protection.
• Proven Track Record – Physician owned and physician governed, CAP has provided superior medical professional liability coverage since 1977.

Medical Malpractice Coverage

The Cooperative of American Physicians, Inc. (CAP) provides superior medical professional liability coverage to 12,000 of California’s finest physicians through its Mutual Protection Trust (MPT). But med-mal is just the beginning. To help ensure practice and financial success, CAP members automatically receive a wide range of risk management and practice management benefits as highlighted below.
 

Risk Management Programs

CAP is committed to continually educating members on best practices to promote patient safety, reduce medical liability, and foster positive physician-patient relationships. Physician members and their staff can take advantage of training programs and events led by experienced CAP risk management and patient safety specialists – most of whom are RNs or JDs – or both. These programs include:

• 24/7 Risk Management Hotline – Immediate access to our CAP Cares program in the event of an adverse outcome.
• Onsite Risk Analysis – An in-depth, onsite risk analysis conducted by a highly trained risk management specialist.
• Risk Management Institute – An online risk-reduction program designed specifically for front- and back-office medical staff.
• Core Risk Management CME Seminar – Presenting the fundamentals of effective risk management in the medical practice.

Practice Management and Human Resources Support

• Human Resources Hotline – Member physicians and office administrators can call CAP during business hours with any employment-related question, no matter how big or small.
• Customizable Employment Manual – A comprehensive, medical practice-specific tool to help effectively manage employment policy, available for download at no charge.
• Education – Instructional guides, live and online events, and videos and articles to ensure you have the tools you need to run a safe and successful practice.
• Group Purchasing Program – A valuable benefit that can save you thousands of dollars annually on everyday purchases for your practice.
• CAPAdvantage – Access to free and discounted practice management programs, including revenue cycle management, website development and patient marketing, patient experience surveys, online compliance training, and more.

Additional Protection Included with CAP Membership*

CAP CyberRisk Liability Policy – Provides $50,000 of protection to members against potential data breach, including privacy liability, computer information security, and electronic media liability.
CAP Group Life Insurance Policy – Provides $10,000 coverage in the event of death.
CAP Group Long Term Disability Insurance Policy – Provides up to $2,000 per month for up to 24 months.
CAP’s Employment Practices Plan – Provides $50,000 to help cover legal defense costs associated with employment-related lawsuits.
CAP’s MedGuard Plan – Reimburses up to $25,000 per year in legal expenses arising from disciplinary proceedings, allegations of fraud and abuse, or alleged regulatory noncompliance.

*Various deductibles and/or exclusions may apply. Additional insurance options available for purchase through CAP’s own insurance agency.

“CAP is entirely physician owned and directed. It is a physician advocacy organization as opposed to a corporation that just sells insurance. As a doctor and patient advocate, I see in CAP the kind of dedication to medical excellence that I admire.”  

-Theodore M. Mazer, MD
CAP Member Since 1988