If you have any questions that aren't covered here, contact us and we will answer you as soon as we can.


How is Capson different from other carriers?
When it comes to medical malpractice insurance, independent physicians tend to be overcharged and underserved. We believe in treating physicians fairly by lowering the cost of coverage and proactively managing risk to help physicians and group practices remain independent.
Who does Capson cover?
We offer medical malpractice insurance coverage to independent physicians, surgeons, and group practices, along with their ancillary/extender staff members.
Is Capson insurance available in my state?
Capson is admitted and regulated by the Department of Insurance in 25 states: Alabama, Alaska, Arizona, Arkansas, District of Columbia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Washington, West Virginia, and Wisconsin.


What is Capson?
Capson Physicians Insurance Company is a medical malpractice insurance carrier. We are fully regulated and admitted in 27 states.
How responsive is Capson’s service?
From the moment you contact us to the time you retire, our people, processes, and technology will deliver an experience like no other. Your dedicated account team is available to offer assistance; don’t hesitate to contact us with any questions or concerns.
What does my coverage include?
Capson’s experienced underwriters work directly with you to design the right insurance program to protect your solo or group practice. You only pay for the features you need. We invite you to talk to a Capson Advisor about policy features such as: prior acts coverage, tail coverage, consent-to-settle clause, defense costs coverage, cyber liability coverage, non-physician provider coverage, and more.
Does Capson offer a tribute plan?
No, we don’t. Other carriers overcharge you on your premium, then “reward”you annually with some of your own money as a “renewal dividend.” At Capson, we offer a true rate with no dividend or retirement program gimmicks. The immediate savings you get with Capson often outweigh long-term savings promised by other insurance carriers.
How does Capson offer premium up to 25% lower without compromising on coverage?
Our innovative online enrollment technology eliminates unnecessary steps and streamlines others (no more tedious, 15-page pen-and-paper applications). This dramatically lowers our operational costs and allows us to extend those savings to you, helping you spend time on what matters most – your patients.
How does Capson help me protect my reputation and my practice?

Capson helps physicians, surgeons, and group practices take a proactive approach to reputation management and loss prevention.

Improving patient satisfaction lowers exposure to liability, so we’ve partnered with Press Ganey, the market leader in patient satisfaction, measurement, and improvement, to deliver our PatientImpact Program. This CMS-compliant patient satisfaction survey and measurement system helps mitigate risk by giving patients a voice and providing an outlet other than review sites like Yelp and Healthgrades.

To further protect your practice, Capson provides timely information on industry news and insights, best practices, risk mitigation techniques and tools, and educational resources.

What happens if a patient files a claim against me?

A fast response is critical. If a claim does occur, our in-house medical malpractice attorneys respond within 24 hours of notification. This creates a peer-to-peer relationship between our in-house medical malpractice attorneys and the patient’s attorneys, reducing the time and cost of closing claims. On average, our early claims resolution closes non-meritorious claims 83% faster than other carriers.*

*Represents 2012 Industry Data vs. 2015 Capson data.

Who handles claims on my behalf?
Capson’s select defense panel consists of senior partners from the leading medical malpractice law firms in the country.


How do I apply for coverage?
We’ve simplified the enrollment process so it takes just minutes to see how much you could save. Fill out our online form and a Capson Advisor will call you to provide a quote. You will then receive an email with a unique link to Capson’s online portal, where you can complete your online enrollment. Our underwriters will then issue a bindable quote, including payment options, within two days.
How does Capson determine my premium?
Premium is based on a number of factors, such as your specialty, location, types of procedures you perform, claims experience, limits of liability, and years of exposure covered.
Do I have to provide proof of membership in a state medical association, such as the Texas Medical Association, to receive a discount?
No. Capson automatically offers you the lowest rate that you qualify for. Other insurance carriers require that you provide proof of medical association membership.
What are my payment options?
Capson offers multiple payment options, all interest-free. You can pay monthly (10 payments per year), quarterly, or annually by electronic funds transfer.