CAP Physicians Insurance   Edgewood Partners Insurance Center

Cooperative of American Physicians, Inc. (CAP)
Group Personal Excess Liability Program
Enrollment Submission with Coverage Effective from January 1, 2023 - December 31, 2023

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 Liability (XUM) limit (Section B)
  • The online enrollment form will display prorated premiums for mid-term enrollment and create an invoice, you will receive via email in minutes, from which you will immediately make the payment to EPIC Insurance broker by check, wire, ACH or Credit Card.
  • Coverage is ordered only after payment is received, at the end of each month, with all of the orders for that month. Your certificate of insurance will be sent to you approximately three weeks after the order is placed with Chubb at the end of the month for which you have ordered. Your coverage effective date will be indicated on your certificate.
  • Physicians retired from CAP are ineligible for this group benefit per the Chubb contract.
  • This annual group benefit/ policy does not allow for mid-term cancellations due to duplicate coverage, termination, retirement, or any other reason.


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

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

    Click here to see Actual Jury Verdicts of $2.3 Million to $53 Million

    Click here for FAQ’s, Eligibility, Coverage Descriptions, Underlying Insurance Requirements and Exclusions

    Section A:

    Group Personal Excess Liability (GPEL) Limit
    *Please select desired coverage$3 MillionAnnual Premium ($1156)Pro-Rate Premium ($871)
    $5 MillionAnnual Premium ($1388)Pro-Rate Premium ($1046)
    $10 MillionAnnual Premium ($2562)Pro-Rate Premium ($1931)

    Any questions or requests for higher limits which may be available, please call 201-356-3400 or e-mail 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 ($117)Pro-Rate Premium ($88)
    $3 MillionAnnual Premium ($236)Pro-Rate Premium ($177)
    $5 MillionAnnual Premium ($470)Pro-Rate Premium ($354)

    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.