MUTUAL PROTECTION TRUST

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Mutual Protection Trust (MPT), the Cooperative of American Physicians, Inc.’s core product, provides superior medical professional liability protection for California’s preferred doctors.

Instead of paying premiums to an insurance company, the physicians of CAP agree to support each other through the unique – and time-proven -- financial arrangement used by MPT. This approach, which has earned an A+ (Superior) Rating from A.M. Best, allows MPT to identify the collective cost of protecting members in trial and arbitration to a short, 12-month period. These costs form the basis for assessments levied by the Board of Trustees. This method, as set out in California law, allows MPT to charge substantially less for the medical professional liability protection demanded by California’s best physicians.

With membership of nearly 11,000 physicians, MPT’s strength can be found in the sound, careful, and essentially hand-selected pool of physicians who make up the Cooperative of American Physicians, Inc. This consistency in the quality of physicians should result in less volatility in claims results. In fact, MPT prices have been so stable for the past 10 years that member assessments and dues have remained essentially unchanged.