California Physicians Medical Malpractice Coverage - Low Rates & More Services

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In addition to CAP's low rates on medical malpractice coverage, California physicians may apply for prior acts retroactive coverage and avoid the need to buy expensive tail coverage.

Plus CAP members receive valuable practice management and risk management services at no additional cost.

Karla G. Iacampo, MD, Obstetrics & Gynecology, Santa Monica
"CAP helps my practice succeed in these rapidly changing times. They offer incredible value at no additional cost."

Standard Benefits: CAP Most Carriers
Malpractice Coverage
Cyber Risk Liability Protection
Administrative Defense
Employment Practices Defense  
Life Insurance  
Disability Insurance  
Human Resources Manual and Consulting  
Staff Risk Management Assessment and Training  
Group Purchasing Program  
Free Core Risk Management CME Seminar
CAP Job Board for Physicians and Medical Groups  

Fast Application Approval

Most applications are approved in 48 hours or less. Your dedicated local account executive is available to answer any questions and help you complete your application

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 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. ©