CAP logo, a medical group purchasing organization partner of MPPG

What is the Cooperative of American Physicians (CAP)?

The Cooperative of American Physicians (CAP) was founded by a group of California physicians concerned about the spiraling cost of medical malpractice coverage and who were galvanized to do something about it.    

The group was founded on the principle of providing physicians with the best medical malpractice coverage available at the most affordable rates and a suite of no-cost risk management and practice management benefits.

In addition to better malpractice protection and benefits, CAP offers practice resources and risk management tools to help you thrive during this transformational time in healthcare.

CAP was created for doctors, by doctors. They know firsthand that you need secure, affordable options on medical malpractice coverage and added benefits to help you sustain a viable independent practice. Your financial security and practice success are always their priority.

What is Mutual Protection Trust (MPT)?

The Cooperative of American Physicians (CAP) created a unique medical malpractice liability cooperative whose core product—the Mutual Protection Trust (MPT)—provides medical professional liability protection to nearly 13,000 of California’s finest physicians.

CAP’s Mutual Protection Trust has earned an A+ (Superior) rating by A.M. Best since 2006. 

Some key features of Mutual Protection Trust’s medical malpractice coverage include:

  • Prior-acts (nose) Coverage – No need to buy tail coverage
  • Free Tail Coverage – Provided upon retirement
  • Telemedicine Coverage – included for California-based patients
  • In-House Claims and Legal Representation – Uncompromising expert defense
  • Free Practice and Risk Management Benefits – To protect your patients and bottom line
  • Physician-Owned and Physician Governed – For doctors, by doctors since 1975

What Products and Services Does the Cooperative of American Physicians (CAP) Provide?

CAP members get more than medical malpractice coverage. You will receive additional no-cost benefits and discounted programs to help you manage a thriving practice:

Business Insurance Benefits

No-cost supplemental business insurance benefits protect physicians from the risks associated with running a medical practice and include:

  • Employment Practices Plan (EPP): Up to $50,000 for legal defense costs for employment-related lawsuits
  • MedGuard Plan: Up to $25,000/year in legal expenses for disciplinary proceedings, alleged fraud and abuse and regulatory non-compliance
  • CyberRisk Insurance: $50,000 for potential data breaches

Life and Disability Benefits

Life and disability benefits are automatically provided at no cost to help protect physicians and their families in the event of injury, illness, or loss, and include:

  • Group Life Insurance Policy: $10,000 coverage in the event of death
  • Group Long Term Disability Insurance: Up to $2,000/month for up to two years

Practice Management Consulting

Complimentary practice management assistance and assessments to help physicians and their staff manage daily business operations for areas like:

  • Billing/coding
  • Regulatory changes
  • Front/back-office procedures
  • And more!

Practice Management Programs

A suite of free and discounted practice management products and services provided through industry-leading vendors for support with:

  • IT and cybersecurity
  • Free group purchasing program
  • Practice marketing
  • And more!

Human Resources Support

Free human resources assistance for medical practices from CAP’s own HR professionals who can help with:

  • Free HR manual
  • Employment termination
  • Wage and hours inquiries
  • And more!

Risk Management Services

Personal attention from expert risk management and patient safety specialists to minimize liability risk through:

  • 24/7 Risk management hotline
  • Risk assessments
  • CME education
  • And more!

Where is the Cooperative of American Physicians (CAP) Located?

The Cooperative of American Physicians (CAP) is headquartered in Los Angeles, California.

What Year was the Cooperative of American Physicians (CAP) Founded?

The Cooperative of American Physicians (CAP) was founded in 1975.

Who is on the Cooperative of American Physicians (CAP) Leadership Team?

The Cooperative of American Physicians (CAP)’s Board of Directors and the Board of Trustees of the Mutual Protection Trust are leading physicians in their fields of medicine. The CAP Executive team hails from all aspects of medical professional liability coverage, including claims and legal, risk management, and insurance. Together, they govern the organization with our members’ and healthcare facilities’ best interests in mind.

Sarah Scher, JD, RN is the Chief Executive Officer and Hammon Acuna is the Chief Operating Officer.

Why Work With the Cooperative of American Physicians (CAP)?

Physicians face more daunting challenges than ever before in their management of successful medical practices. CAP understands those challenges and also offers an array of financial, insurance, and practice management tools to meet its members’ evolving needs. 

CAP was a natural choice to partner with MPPG, given their long-standing history of providing outstanding service and savings on medical liability protection. The MPPG/CAP agreement provides outstanding savings for new members and existing members will receive an additional 5% savings on their next renewal (CA only).

What are the Benefits of Working with the Cooperative of American Physicians (CAP)?

The Cooperative of American Physicians (CAP) stands out with these included valuable benefits:

Competitive and Stable Rates – Save up to 40% on your medical malpractice coverage when you make the switch to CAP.

Coverage You Can Trust – CAP’s Mutual Protection Trust has earned a A+ (Superior) rating by A.M. Best since 2006. You can rely on solid coverage when you need it most.

Human Resources Support Services – Including a free downloadable Employment Manual and an HR Hotline that physicians and office administrators can call free of charge with any employment-related questions.

Unparalleled Claims and Legal Representation – If you experience a claim, rest assured that you will get exceptional claims support and access to CAP’s in-house legal defense team to provide you with personalized representation for the best possible outcomes.

What is the Difference Between Medical Malpractice Insurance and Professional Liability Insurance?

While these terms might be used interchangeably, there is a key difference. Medical malpractice insurance covers your legal costs, including judgments and settlements for claims that you caused a patient’s death or injury. Professional liability insurance covers errors that you make in your business activities.

Why do you as a Healthcare Professional Need Professional Liability Insurance?

If a patient or relative sues, your small practice could face a financially devastating lawsuit. Professional liability insurance offers the protection your healthcare business needs to continue providing its services while handling a lawsuit. In the healthcare industry, you may see it called malpractice insurance.

What Does Medical Professional Liability Insurance cover?

It is purchased to protect a physician or health care institution from the financial risks-the liability-of practicing medicine. More specifically it protects the physician from the consequences of a patient’s claim that he or she was injured as a result of the physicians’ negligence.

How to Get Further Savings on Mutual Protection Trust (MPT) Products and Services Through MPPG

Medical Practice Purchasing Group (MPPG) has selected Mutual Protection Trust (MPT) as its preferred professional liability underwriter based on its A.M. Best rating, competitive rates and other important benefits.

MPPG members who place their coverage with MPT can save from 10% to 25% off the standard MPT assessment costs (CA only). Physicians already part of CAP will save 5% due to their MPPG membership.

If you are not an MPPG member, please click on the “Join Now” button at the top of the page.


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"Our savings on our malpractice insurance alone were significant. I highly recommend MPPG."

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