AMERICAN PHYSICIANS CAPITAL INC
AMENDMENT NO.1 TO INCENTIVE COMPENSATION PLAN
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<TYPE>EX-10.51
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<DESCRIPTION>AMENDMENT NO.1 TO INCENTIVE COMPENSATION PLAN
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<DIV align="right" style="font-size: 10pt; margin-top: 12pt">Exhibit&nbsp;10.51
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<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>AMENDMENT NO. 1 TO</B>
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<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>AMERICAN PHYSICIANS CAPITAL, INC.
</b>
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<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>2007 BONUS PROGRAM</B>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>THIS AMENDMENT </B>to the American Physicians Capital, Inc. 2007 Bonus Program (the &#147;Plan&#148;) is
intended to clarify the application of Section&nbsp;409A of the Internal Revenue Code (the &#147;Code&#148;) to
the Plan.
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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS, </B>compensation that is earned and vested in one calendar year and paid in a subsequent
calendar year is deemed to constitute a &#147;short term deferral&#148; not subject to the deferred
compensation provisions of Code Section&nbsp;409A if the compensation is paid out in a lump sum within
two and a half months after the end of the calendar year in which it is earned.
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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>NOW THEREFORE</B>, the American Physicians Capital 2007 Bonus Program is hereby amended to specify
that all bonus amounts earned in 2007 shall be paid out in cash within two and a half months after
the end of the 2007 calendar year.
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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>IN WITNESS WHEREOF</B>, American Physicians Capital, Inc. has caused this Amendment No.&nbsp;1 to be
executed as of October&nbsp;25, 2007.
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    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left"><B>AMERICAN PHYSICIANS CAPITAL, INC.</B><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
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    <TD valign="top">By:&nbsp;&nbsp;</TD>
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    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;R. Kevin Clinton<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;President and Chief Executive Officer&nbsp;</TD>
    <TD>&nbsp;</TD>
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