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In this edition of Physician Today, you will learn more about CAP’s 50-year legacy of ensuring that physicians like you have exceptional medical malpractice coverage and the resources needed to run safe and successful practices.
Today, 13,000 California physicians—the largest membership count in the organization’s history—trust CAP and MPT for coverage that stands the test of time, providing security and stability in an ever-changing healthcare landscape.
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