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American Physicians Capital, Inc. Reports Third Quarter 2007 Results
Date:10/25/2007

ts through American Physicians Assurance Corporation and its other subsidiaries. Further information about the companies is available on the Internet at http://www.apcapital.com.

Forward-Looking Statements

Certain statements made by American Physicians Capital, Inc. in this release may constitute forward-looking statements within the meaning of the federal securities laws. When we use words such as "will," "should," "believes," "expects," "anticipates," "estimates" or similar expressions, we are making forward-looking statements. While we believe any forward-looking statements we have made are reasonable, they are subject to risks and uncertainties, and actual results could differ materially. These risks and uncertainties include, but are not limited to, the following:

-- increased competition could adversely affect our ability to sell our

products at premium rates we deem adequate, which may result in a

decrease in premium volume, a decrease in our profitability, or both;

-- our reserves for unpaid losses and loss adjustment expenses are based

on estimates that may prove to be inadequate to cover our losses;

-- tort reform legislation may have adverse or unintended consequences

that could materially and adversely affect our results of operations

and financial condition;

-- if we are unable to obtain or collect on ceded reinsurance, our results

of operations and financial condition may be adversely affected;

-- the insurance industry is subject to regulatory oversight that may

impact the manner in which we operate our business;

-- our geographic concentration in certain Midwestern states and New

Mexico ties our performance to the business, economic, regulatory and

legislative conditions in those states;

-- an interruption or change in current marketing and agency relationships

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SOURCE American Physicians Capital, Inc.
Copyright©2007 PR Newswire.
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