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CAP Members receive the following services at no additional charge.

  • Comprehensive Risk Management Services
  • Risk Management Hotline Available 24/7/365
  • Practice Management Resources And Consulting
  • An HR Hotline For Any Employment-Related Questions
  • EHR Consultative Services
  • CAP Group Long Term Disability Insurance Policy and CAP Group Life Insurance Policy*
  • CyberRisk Coverage
  • Group Discount Buying Program
  • A Voice In Sacramento And Washington, D.C.

Peace of Mind

Share risk only with others like you who are the best in their fields. And if you should need claims defense, CAP members are defended by California's largest dedicated medical malpractice law firm.

Medical professional liability coverage is provided for CAP's nearly 12,000 members through the Mutual Protection Trust (MPT). Since 2006, MPT has earned A.M. Best Company's A+ ("superior") rating, demonstrating MPT's financial strength and its ability to meetin ongoing coverage and contractual obligations.

*Some restrictions and limitations may apply.

The Mutual Protection Trust (MPT) is authorized under Section 1280.7 of the California Insurance Code as an unincorporated interindemnity arrangement among physician members of the Cooperative of American Physicians, Inc. (CAP). Members do not pay insurance premiums. Instead, they pay tax-deductible assessments, based on risk classifications, for the amount necessary to pay claims and administrative costs. No assurance can be given as to the amount or frequency of assessments. Members also make a tax-deductible Initial Trust Deposit, which is refundable according to the terms of the MPT Agreement. ©2016