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The Cooperative of American Physicians (CAP) is pleased to share valuable free HR resources offering essential guidance, education, and recommended HR policies and procedures — all to help reduce employee-related liability risk and support a productive staff.
The Cooperative of American Physicians (CAP) provides medical professional liability coverage to more than 13,000 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.
Medical professional liability coverage is provided to CAP members through the Mutual Protection Trust (MPT), an unincorporated interindemnity arrangement organized under Section 1280.7 of the California Insurance Code. Members 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. ©2023