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Dr. Khanh M. Thai and Dr. Paul Moya
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Physicians and Surgeons Coverage

Superior Protection for Solo and Small / Midsize Groups
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As a physician-founded and physician-run organization, CAP always has your best interests at heart. When you join CAP, you join 12,000 of California’s finest physicians who are benefitting from not only superior and affordable medical malpractice protection through our Mutual Protection Trust, but outstanding physician support benefits.

Innovative Malpractice Coverage You Can Count On

Patients rely on you every day to provide the best care possible. But can you rely on your current malpractice insurance carrier to care for you when you need them most?  CAP offers physicians solid, dependable medical professional liability coverage coupled with exceptional member care, including a 24/7 claims and risk management hotline.

Superior Affordable Coverage

Receive medical malpractice coverage at rates that can't be beat. Physicians can save up to 20%–40% or more when they switch to CAP.

A+ Superior

Since 2006, CAP’s Mutual Protection Trust has earned an A+ (Superior) rating by A.M. Best Company for its financial strength and ability to meet ongoing coverage and contractual obligations.

Affordable. Reliable. Better.

CAP was founded on the principle of providing physicians with the finest coverage available at the most affordable rates. That remains our commitment today.

We attribute our competitive advantage to disciplined underwriting, proactive risk management, expert claims representation, and a time-proven financial arrangement only CAP offers. 

You receive superior coverage that is affordable, reliable, and better. And because managing a practice can be complex, we are committed to supporting you with valuable programs and services, including a 24-hour adverse outcomes hotline, human resources support, EHR consultation, and more.

Free Supplemental Benefits

 

 

As a CAP member, you enjoy a wide range of additional resources, benefits, and programs specially designed to minimize risk, maximize protection, and foster growth for your practice -- all at no additional charge.*

 

 

Practice Management Services
Practice Management Services

Our wide variety of complimentary services helps you run a successful practice, including:

  • Human Resources Support - get answers to employment-related questions
  • CAP Purchasing Alliance - a free member benefit that saves you money on everyday purchases of supplies and services for your practice
  • Practice Guides - get access to educational guides to help you meet the latest healthcare regulations, improve patient satisfaction, and increase the success of your practice

Learn more about CAP Practice Management Services.

CyberRisk Liability Policy
CyberRisk Liability Policy

Online medical records can mean exposure to data breaches, heavy regulations, and the threat of patient identity theft. Your membership includes a CyberRisk Liability program at no additional cost, and provides you with:

  • $50,000 of protection against potential data breach, including privacy liability, computer information security, and electronic media liability.
  • A web-based risk management tool
  • Expenses related to patient notification of up to 5,000 records – more for larger groups
  • *Various exclusions may apply.
Employment Practices Plan
Employment Practices Plan

You automatically receive $50,000 to cover legal defense costs for employment-related lawsuits including:

  • Wrongful termination
  • Discrimination
  • Harassment
  • Retaliation
  • Breach of employment contract
*Various deductibles and/or exclusions may apply.
MedGuard Plan
MedGuard Plan

You may be reimbursed up to $25,000 in legal expenses from:

  • Medical Board allegations of incompetent or unprofessional conduct
  • Government investigations of Medicare and Medicaid fraud and abuse
  • Alleged regulatory noncompliance with HIPAA or EMTALA
  • Proceedings initiated by a hospital that may adversely affect privileges or credentialing

*Various deductibles and/or exclusions may apply.

Group Life Insurance Policy
Group Life Insurance Policy

Protect yourself and your family from the unexpected with term life insurance. Coverage includes $10,000 in the event of a death.

Group Long Term Disability Insurance Policy
Group Long Term Disability Insurance Policy

Protects you from the significant financial loss due to a long-term illness or accident by providing a monthly income while you are unable to work. Coverage includes up to $2,000 per month for up to 24 months.

  • CAP member Dr. Karla Iacampo
    As a CAP member, I enjoy the supplemental benefits that CAP provides free of charge, and I have the option to purchase more protection for my practice at affordable prices.
    In addition to these complimentary supplemental benefits, CAP members have the option of increasing coverage at favorable rates to further protect their practices.
FACT
The most common cause of medical malpractice claims is wrongful or delayed diagnosis. (Insurance Information Institute)
Claims and Legal

Best-in-class claims management and legal defense to provide you with exceptional representation.

Apply now! Enjoy the benefits of CAP protection.
Apply for Coverage
Speak with an Account Executive via phone 800-356-5672
or email md@CAPphysicians.com

 

Medical professional medical liability coverage is provided to CAP members by the Mutual Protection Trust (MPT), an unincorporated interindemnity arrangement organized under Section 1280.7 of the California Insurance Code. Members pay assessments, based on risk classifications, for the amount necessary to pay claims and administrative costs. No assurance can be given as to the amount or frequency of assessments. Members also make an Initial Trust Deposit, which is refundable according to the terms of the MPT Agreement.