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Join the Cooperative of American Physicians (CAP) in celebrating 50 years of physician success. Request your free commemorative gifts today as we honor the 13,000 physician members we serve and their dedication to providing outstanding patient care.
For 50 years, the Cooperative of American Physicians (CAP) has delivered exceptional medical malpractice coverage and practice solutions that support physician success.
CAP members receive medical liability protection from 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 meet ongoing coverage and contractual obligations.
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 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 an Initial Trust Deposit, which is refundable according to the terms of the MPT Agreement. ©2025