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The Cooperative of American Physicians (CAP) understands that a successful practice requires more than just solid protection from medical malpractice lawsuits.
Select from the list of free resources that CAP offers at no charge to all California Physicians.
The Cooperative of American Physicians (CAP) provides medical professional liability coverage to nearly 12,000 of California’s best physicians as well as a wide range of free resources and services to help avoid lawsuits and enhance the running of their practices.
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. ©2022