Exhibit 32.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      Each of the undersigned hereby certifies in his capacity as an officer of
American Physicians Capital, Inc. (the "Company"), for purposes of 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, that:

      (1) The Quarterly Report of the Company on Form 10-Q for the period ended
September 30, 2004, fully complies with the requirements of Section 13(a) of the
Securities Exchange Act of 1934; and

      (2) The information contained in such Report fairly presents, in all
material respects, the financial condition and result of operations of the
Company.

Date:  November 9, 2004

/s/ R. Kevin Clinton
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R. Kevin Clinton
President and Chief Executive Officer

s/ Frank H. Freund
- -------------------------------------------------
Frank H. Freund
Senior Executive Vice President, Treasurer
And Chief Financial Officer