CAP Physicians Insurance   Integro Insurance Brokers
 

Cooperative of American Physicians, Inc. (CAP)
Group Personal Excess Liability Program
Enrollment Submission with Coverage Effective from 09/01/2019 through 12/31/2019


Enrollment Instructions:

  • Complete the Participant Contact Information section using spaces provided.
  • Select the desired Group Personal Excess Liability (GPEL) limit (Section A).
  • Select the desired Excess Uninsured/Underinsured Motorist Coverage Limit (Section B).
  • Submit enrollment form by pressing the Submit button at the bottom of the page.
  • You will receive an email confirmation with an invoice to mail along with your check.

  •          Coverage will be ordered only once the check has been received.
             Coverage will be bound effective the date on the confirmation.
             Please allow 6 weeks for processing and to receive your certificate of coverage.


    *Participant Contact Information (Please mark the appropriate box below)

     
    *First Name: *Last Name:
    *Billing Address:
    State: ZIP:
    City:
    Work Phone: *E-mail:
    *Please indicate your preferred delivery method:
     

    Click here for coverage descriptions and underlying primary insurance requirements

    Section A:

    Group Personal Excess Liability (GPEL) Limit
    *Please select desired coverage$3 MillionAnnual Premium ($675)Pro-Rate Premium ($225)
    $5 MillionAnnual Premium ($806)Pro-Rate Premium ($269)
    $10 MillionAnnual Premium ($1454)Pro-Rate Premium ($485)
    $15 MillionAnnual Premium ($2012)Pro-Rate Premium ($671)
    $20 Million *Annual Premium ($3147)Pro-Rate Premium ($1049)

    *Chubb requires participants requesting limits of $15 Million and $20 Million to complete a High Limits Questionnaire for approval prior to issuance. Please email laura.schneider@integrogroup.com to request the form.

    *Chubb requires participants requesting limits of $20 Million to have their underlying coverage with Chubb. Integro can quote this for you.



    Any questions or requests for higher limits which may be available, please call Integro at 888-939-2377 or e-mail capumbrella@integrogroup.com for more information.

    Section B:

    Excess Uninsured/Underinsured Motorist Coverage Limit
    *Select Uninsured/Underinsured Motorist Coverage Limit$1 MillionAnnual Premium ($0)Pro-Rate Premium ($0)
    $2 MillionAnnual Premium ($94)Pro-Rate Premium ($31)
    $3 MillionAnnual Premium ($189)Pro-Rate Premium ($63)
    $5 MillionAnnual Premium ($376)Pro-Rate Premium ($125)

    An Uninsured Motorist (UM) is someone who does not have any auto insurance at all, where an Underinsured Motorist (UIM) is someone who has at least the bare minimum of coverage as required by law, but the limits of their policy are insufficient to pay for all of the damages caused by the accident. A hit-and-run driver who leaves the scene of the accident without leaving sufficient information to identify himself or herself, is also considered to be an uninsured motorist for purposes of bodily damages (but not property damage).

    Uninsured insurance coverage and underinsured insurance coverage is coverage you buy from your auto insurance company. It pays for bodily injury losses to you and your passengers if you get into an accident caused by a driver who does not have insurance or has insurance but the limits are insufficient to cover all of the injuries and damages. California law does not require that you have uninsured/underinsured coverage, but it is absolutely coverage your insurance policy should have. If you do not have uninsured motorist coverage and get into an accident caused by an uninsured motorist, the chances are that you are going to have to bear the brunt of the expenses to treat your injuries and fix the damage to your car out of your own pocket.

    Uninsured/underinsured coverage pays for your medical expenses, lost wages, loss of earning capacity, pain and suffering, disfigurement, and other damages resulting from the accident, up to the limits of your policy. Both UM and UIM apply to you and your passengers, and also covers you and other persons named in your insurance policy (such as family members) if you are injured in other cars.

    Excess Uninsured/Underinsured Motorist Coverage (XUM) is a higher limit of coverage that can only be purchased through an Excess Liability/Umbrella policy. With many standard insurance carriers/policies, one can only purchase $1Million in coverage; with high net worth carriers and a Chubb Group Excess Liability policy, you can purchase up to $5Million in protection for yourself and your loved ones.