APCapital, Inc - Medical Professional Liability

Medical professional liability coverage is provided through American Physicians Assurance Corporation (American Physicians), a subsidiary of APCapital. Coverage is marketed in the following states: Illinois, Indiana, Kentucky, Michigan, New Mexico, Ohio and Wisconsin.

American Physicians provides:

Claims-made and occurrence protection for physicians and allied health care providers
Prior acts and tail protection
Discounts for first- and second-year practitioners and part-time non-surgical physicians
A history of commitment to customers since 1975
Proven financial stability
Highly rated by A.M. Best
Expert risk management
Experienced, knowledgeable underwriting and claims staff
Aggressive claims defense
Convenient sales and service options
Customized alternative risk transfer and self-insurance options

Claims-Made and Occurrence Coverage
Depending on the state where you practice, American Physicians offers either claims-made or occurrence form professional liability coverage. Claims-made policies cover incidents that happen and are reported during the life of the policy. Prior acts or tail coverage is needed to protect against claims that may be reported before or after the policy period. Occurrence policies cover incidents that happen during a policy term, regardless of when they are reported as claims.

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Proven Financial Stability
American Physicians has provided medical liability coverage continuously since 1975. Headquartered in Michigan, the APCapital group of companies are regulated by the insurance laws and backed by the guaranty funds of each state where we do business. The companies are rated highly by A.M. Best indicating a secure ability to meet claims-paying obligations to policyholders.

Expert, Aggressive Claims Defense
Expertise and aggressive defense are the foundations of American Physicians' claims service. Our philosophy is to protect your professional reputation by defending all non-meritorious claims. The company's claims representatives are noted for their knowledge and experience, and they maintain frequent, personal communication with policyholders.

The attorneys selected to represent insureds specialize in medical liability defense and must meet strict screening and performance standards. Policyholders are encouraged to participate in their cases and usually retain the consent to settle claims.

Nationally Recognized Risk Management
American Physicians offers proactive risk management services for physicians, office staff, hospitals, medical and ancillary staff, and managed care organizations. Services include:

On-site risk analysis and consultation
Closed claim reviews
Office risk self-assessments
On- and off-site seminars covering a variety of topics

Responsive Customer Service
The APCapital group focuses individual attention on your questions and concerns. Our Customer Assistance Center is open Monday-Thursday 8am-5:30pm, Friday 8am-5pm Eastern time, and will respond to your after hours or weekend inquiries as soon as possible. If they can't answer your question directly, the Assistance Center staff will connect you with the appropriate company expert.

There are three easy ways to reach us:

Send us an e-mail at assistance@apcapital.com
Call us at 1-800-748-0465 (M-Th 8am-5:30pm, F 8am-5pm Eastern time)
Fax us at (517) 351-5565

Last posted 12/10/03. The information on this page is correct only as of the date stated.