If you have any questions regarding the sponsored insurance programs please contact a Marsh Client Service Representative at (888) 926-CPhA or e-mail us at CPhA.Insurance@marsh.com.

This web page is for illustrative purposes only, and is not a contract. It is intended to provide a general overview of the services described. Remember that only the policy can provide the actual description of services, terms, conditions and exclusions.

With this year's 10.1% dividend declaration by the California Pharmacists Association (CPhA), Marsh and the American Automobile Insurance Company, one of the Fireman’s Fund Insurance Companies®, members are receiving a 10.1% dividend two years in a row!

This marks six consective years that members participating in the sponsored workers' compensation program will receive a return of surplus premiums, now totaling $3,696,647*, simply by buying insurance they are required to purchase by law. The dividend will be paid to members enrolled in the sponsored Workers' Compensation Insurance Program during the December 2008 – November 2009 policy year.

Dividend Eligiblity Continues**!

Remember! The dividend calculation takes place every policy year. As long as you remain a member enrolled in the program for the entire policy period, and do not owe Fireman's Fund premium for any outstanding audits, you may be eligible for any potential dividend that is declared for that year. This serves to reduce your net premium even further.

Low Minimum Premium of $750!*

Workers’ Compensation protection is required by California state law. It provides benefits to employees due to a job-related injury or illness, for which the employer may otherwise be liable.

CPhA's program is written on a dividend eligible basis. If there is favorable program experience over time, members might share in profits earned by the insurer on policies issued in the CPhA program by way of dividends.**

Special services include access to the Fireman's Fund Risk Advisor^SM portal on the internet, designed exclusively for pharmacists. You'll find specialized products and services such as loss prevention tools, online claims filing, listings of current medical providers, and industry news.

* Rate and minimum premium subject to change on program anniversary.
**Payment of future dividends cannot be promised or guaranteed. Past dividend performance is no guarantee of an insurer's future dividend performance.

Underwritten by: Fireman's Fund Insurance Company (rated "A" by A.M. Best and Company)
Transparency & Disclosure

Fireman’s Fund enhanced its policy for CPhA members in two ways. The first important way was to recognize the changing scope of the practice of pharmacy. They did this by defining Pharmacy Services as the art, practice, or profession of preparing, preserving, compounding, dispensing, administering, and consulting upon medicines, medical drugs, supplies, equipment or devices used in the treatment of medical disorders and maladies rendered by the insured in the capacity of a pharmacy or pharmacist. 

Secondly, Fireman’s Fund also enhanced their policy to provide professional liability protection to your employed pharmacists. While your policy likely affords protection to you as the pharmacy owner for the acts or omissions of your employees, does it protect your employees for their own acts or omissions? More importantly, do they believe they have protection under your policy? No need to worry with Fireman’s Fund. Licensed employed pharmacists are protected. 

The Package Program provides property, liability, commercial auto and umbrella coverage. It also includes protection specifically designed for Pharmacies, such as:

• General Liability Coverage – helps protect you from losses caused by bodily injury or destruction of property suffered by customers on your premises.
• Business Income and Extra Expense Coverage – protects against loss of income from business interruption for up to 12 months, and pays the cost of necessary extra expenses to help keep you in business.
• Professional Liability – protects against losses related to your professional services as a pharmacist.
• Money and Securities Coverage – protects against loss of currency and other negotiable instruments on and off your premises, as well as loss due to counterfeit money and bad checks.

The CPhA Professional Liability program is specifically tailored to fit the diverse needs of pharmacists. And it covers you 24 hours a day, not just when you are at your normal place of employment.

As a pharmacist, this policy protects you in the event of an error or omission in the practice of pharmacy for all procedures approved by the California Board of Pharmacy as long as you have received the proper training and/or certification required and you are acting within the scope of practice.

This insurance plan is underwritten by: The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in New York State with a principal place of business at 70 Pine Street, New York, NY 10270, licensed in all states, plus DC, except not PR.
Transparency & Disclosure

Blue Cross, Health Net, Aetna, Blue Shield and Kaiser Plans – For Individuals and small groups

You have a choice of health care programs for you, your family and your employees. Choose among individual and small group PPO and HMO plans including qualified High Deductible Health Plans which enable you to open a Health Savings Account.

With a Health Savings Account in 2011,  you may:

• Deposit up to $3,050 if you are covered as an individual or up to $6,150 if you have family coverage, and deduct the amount from your federal income taxes
• Withdraw funds on a federally tax free basis for qualified medical, dental and vision expenses
• Rollover unused funds from year to year
• Take credit for the full year deposit regardless of when during the year you open your HSA
• Interests accrues on a federally tax free basis
• Use your savings from a qualified high deductible health plan to help fund the account

(Marsh and CPhA do not provide tax advice. Please consult with your personal advisors.)

New! Group Level Term Life Insurance Program

• At death, the face amount plus accrued cash values are paid
• No administrative fees or surrender charges
• You may skip payments to the cash account

For More Information, or to Enroll:

Go to www.MetLife.com/MyBenefits. Enter "CPhA" when prompted for your Company Name.

Call 1-800-301-3688 if you have questions, or to request enrollment materials be sent to you.

Underwritten by: Metropolitan Life Insurance Company (rated "A+" by A.M. Best and Company)
Transparency & Disclosure

Highlights Include:

• $25,000 Deductible (all cause)
• 3 year Accumulation Period
• Benefit Period of 5 Years
• Maximum Benefit of $2,000,000 (per Benefit Period, per person)
• Convalescent Home Benefit of $500 per week (up to 3 years)

This insurance plan is underwritten by: The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in New York State with a principal place of business at 70 Pine Street, New York, NY 10270, licensed in all states, plus DC, except not PR.

Highlights of the Group Savings Plus Program

• Covers automobiles, homes, personal articles, personal umbrella policies, valuable possessions, seasonal dwellings and recreation vehicles.
• 24-hour roadside assistance* and round-the-clock claims service
• Enroll over the phone or visit a local office.
• Contractor Network Referral Program

For an on-line quote, please go to Liberty Mutual's Quote Page at www.libertymutual.com/capharmacistsassoc. Or call Liberty Mutual at 1-916-649-1246 ext. 55904.

*Service applies to auto policyholders and is provided by Cross Country Motor Club of Boston, Inc., Boston, MA or through Cross County Motor Club of California Inc., Boston, MA.

Underwritten by: Liberty Mutual (rated "A" by A.M. Best and Company)

This program covers you 24-hours a day, 365 days a year and pays regardless of any insurance you may have. Benefit amounts are available from $50,000 to $750,000.

Highlights Include:

• Loss of Use Benefit – 1% of Principal Sum Per Month
• Seat Belt Benefit – up to $10,000
• Spouse Retraining Benefit
• Private Pilots Coverage (20% of Face Amount to $250,000)
• Hospital Benefit

Underwritten by: Unum Life Insurance Company of America (rated "A-" by A.M. Best and Company)

To receive information on the sponsored programs complete an Interest Form.

Home | Interest Form | CPhA Website 

Page last updated 12/19/2011

d/b/a in CA Seabury & Smith Insurance Program Management • CA Ins. Lic. #0633005
©Seabury & Smith, Inc. 2011 • AR Ins. Lic. #245544

Marsh/Seabury & Smith Insurance Program Management (Marsh) makes no representations or warranties, expressed or implied, concerning the financial condition or solvency of any insurers. A.M. Best’s Ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Ratings for explanation of use and charges. Best’s Ratings reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Marsh or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Ratings. Best’s Ratings are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.