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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                   ----------

                                    FORM 8-K

                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

        Date of Report (Date of earliest event reported): April 27, 2006

                        AMERICAN PHYSICIANS CAPITAL, INC.
               (Exact Name of Registrant as Specified in Charter)

              Michigan                 000-32057             38-3543910
    (State or Other Jurisdiction      (Commission          (IRS Employer
          of Incorporation)           File Number)      Identification No.)

   1301 North Hagadorn Road, East Lansing, Michigan              48823
       (Address of Principal Executive Offices)               (Zip Code)

       Registrant's telephone number, including area code: (517) 351-1150

                                 Not Applicable
          (Former Name or Former Address, if Changed Since Last Report)

     Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ]  Written communications pursuant to Rule 425 under the Securities
     Act (17 CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange
     Act (17 CFR 240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))

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ITEM 2.02.   RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On April 27, 2006, American Physicians Capital, Inc. issued a press release
announcing its financial results for the three months ended March 31, 2006 and
certain other information. A copy of the press release is furnished herewith as
Exhibit 99 and is incorporated herein by reference.

     The information furnished under Items 2.02 and 9.01 of this Report shall
not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act
of 1934, as amended, or otherwise subject to the liabilities of that Section,
nor shall such information be deemed incorporated by reference in any filing
under the Securities Act of 1933, as amended.

ITEM 9.01.   FINANCIAL STATEMENTS AND EXHIBITS.

(d)  Exhibits

Exhibit No.    Description
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99             Press Release, dated April 27, 2006



                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

April 27, 2006                               AMERICAN PHYSICIANS CAPITAL, INC.


                                             By:  /s/ R. Kevin Clinton
                                                  ------------------------------
                                                  R. Kevin Clinton
                                                  President and
                                                  Chief Executive Officer



                                  EXHIBIT INDEX

Exhibit No.    Description
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99             Press Release, dated April 27, 2006