Mutual Protection Trust

In 1977, CAP formed the Mutual Protection Trust (MPT) for the specific purpose of providing a method through which its members provide their own protection for medical professional liability. MPT operates pursuant to Section 1280.7 of the California Insurance Code and is governed by a seven-person Board of Trustees. All Trustees are physician members.

MPT is Rated A+ (Superior) by A.M. Best Company. Not only do all-physician boards direct the future of the organization, but all decisions on claims resolution, underwriting acceptance, and member retention involve practicing physician expertise.

Even changes to the MPT Agreement must be approved by a majority of all members. It is an integration of physician direction and administrative discipline that has spurred the membership to grow every year of its existence.With membership exceeding 9,000 physicians in 2006, our members’ equity reached $130 million.

MPT is a leader in preferred physicians professional liability protection in California.