American Physicians Capital, Inc. (APCapital) is an insurance holding company that writes medical professional liability insurance through its subsidiary American Physicians Assurance Corporation (American Physicians). The Company also provides health coverage through American Physicians, workers compensation insurance through the Insurance Corporation of America subsidiary and excess and surplus lines through the APSpecialty Insurance Corporation subsidiary. Medical professional liability insurances accounted for 76.4% of total premiums written for the year ended December 31, 2003. Workers' compensation insurance accounted for 14.6% of total premiums written in 2003. Health compensations accounted for 9%, while Personal and commercial insurances accounted nothing of total premiums written for the year 2003.