American Physicians Capital, Inc. To Participate In The Wall Street Analyst Forum On December 2, 2004

EAST LANSING, Mich., Nov. 16 /PRNewswire-FirstCall/ -- American Physicians Capital, Inc. (APCapital) President and CEO R. Kevin Clinton will be discussing the operations of APCapital at the Wall Street Analyst Forum on December 2, 2004 at 8:20 a.m. ET. This event will take place at The Roosevelt Hotel in New York City.

Mr. Clinton's presentation will be webcast live on the Internet. Listeners can access this webcast through APCapital's website at http://www.apcapital.com/ and click on the Wall Street Analyst Forum icon located on the home page, or you can go to http://vcall.com/CEPage.asp?ID=89390 . Listeners should go to either website at least 15 minutes prior to the event to register, download and install any necessary software. The PowerPoint(R) presentation will be posted on APCapital's website on December 2, 2004. You can access this presentation by clicking on "For Investors" and "Audio Links/Presentations" within the Company's website.

For those unable to listen to the live presentation, the webcast and PowerPoint(R) presentation will be archived following the live event on APCapital's website located in the "For Investors" section, and click on "Audio Links/Presentations."

American Physicians Capital, Inc. is a regional provider of medical professional liability coverage through American Physicians Assurance Corporation and its other subsidiaries. Further information about the companies is available on the Internet at http://www.apcapital.com/ .

(Logo: http://www.newscom.com/cgi-bin/prnh/20020123/ACAPLOGO )

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20020123/ACAPLOGOPRN Photo Desk, photodesk@prnewswire.comAmerican Physicians Capital, Inc.

CONTACT: Ann Storberg, Investor Relations of American PhysiciansCapital, Inc., +1-517-324-6629

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