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The secret is out! CAP offers up to 40% more affordable medical malpractice coverage, risk-management programs, as well as CAP’s best-kept secret: FREE practice management benefits! Switching to CAP helps you streamline services, simplify administrative support, and spend more time with your patients.

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


Roger Eng Jr., MD
Diagnostic Radiology
San Francisco, CA


"I know CAP is a trusted partner in changing times. As a physician-owned organization, CAP gives incredible value and support to my practice."

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. ©