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Medical Malpractice Coverage

For Independent Practices and Physicians

Secure, affordable options on medical malpractice coverage and added benefits to help you sustain a viable independent practice. Your financial security and practice success are always our priority. 

Competitive and Stable Rates

Save up to 40% on your medical malpractice coverage when you make the switch to CAP.

Coverage You Can Trust

CAP’s Mutual Protection Trust has earned an A+ (Superior) rating by A.M. Best since 2006.  You can rely on solid coverage when you need it most.  

Included Medical Malpractice Coverage Features

Prior-acts (nose) Coverage -- No need to buy tail coverage

Free Tail Coverage – Provided upon retirement

Telemedicine Coverage – Included for California-based patients

In-House Claims and Legal Representation -- Uncompromising expert defense 

Free Practice and Risk Management Benefits - To protect your patients and bottom line

Physician-Owned and Physician-Governed – For doctors, by doctors since 1975

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CAP Members Get More Than Medical Malpractice Coverage

No-cost benefits and discounted programs to help you manage a thriving practice.

No-cost supplemental business insurance benefits protect physicians from the risks associated with running a medical practice and include:

  • Employment Practices Plan (EPP): Up to $50,000 for legal defense costs for employment-related lawsuits
  • MedGuard Plan: Up to $25,000/year in legal expenses for disciplinary proceedings, alleged fraud and abuse and regulatory non-compliance
  • CyberRisk Insurance: $50,000 for potential data breaches

Life and disability benefits are automatically provided at no cost to help protect physicians and their families in the event of injury, illness, or loss, and include:

  • Group Life Insurance Policy: $10,000 coverage in the event of death
  • Group Long Term Disability Insurance: Up to $2,000/month for up to two years

Complimentary practice management assistance and assessments to help physicians and their staff manage daily business operations for areas like: 

  • Billing/coding
  • Regulatory changes
  • Front/back-office procedures
  • And more!

A suite of free and discounted practice management products and services provided through industry-leading vendors for support with: 

  • IT and cybersecurity
  • Free group purchasing program
  • Practice marketing
  • And more!

Free human resources assistance for medical practices from CAP’s own HR professionals who can help with: 

  • Free HR manual
  • Employment termination
  • Wage and hours inquiries
  • And more!

Personal attention from expert risk management and patient safety specialists to minimize liability risk through: 

  • 24/7 Risk management hotline
  • Risk assessments
  • CME education
  • And more!
View All Supplemental Benefits

Unparalleled Claims and Legal Representation

If you experience a claim, rest assured that you will get exceptional claims support and access to our in-house legal defense team to provide you with personalized representation for the best possible outcomes.
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24/7 Adverse Event Assistance
Confidential guidance for adverse events and unexpected patient outcomes
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In-House Claims and Legal Defense
Assertive representation by your side every step of the way
Seminar presentation to physicians
Litigation Education Retreat
Compassionate education for effective litigation management
Apply now! Enjoy the benefits of CAP protection.
Speak with an Account Executive via phone 800-356-5672
or email