The Doctors Company
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This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
The Doctors Company’s current published appetite is U.S. admitted medical professional liability for physicians, surgeons, groups, APCs, dentists, and affiliated facilities. Preferred business is solo and group physicians of all sizes, including large multispecialty and multistate groups, plus APCs and dental professionals. The official appetite guide says target markets are solo and group physicians of all sizes and other healthcare professionals including advanced practice clinicians and dental professionals, with alternative risk solutions available in all states. The company also states it writes all specialties and has appetite for standard business risks. For risks that do not fit standard markets, the carrier directs business to its subsidiary TDC Specialty for physicians outside traditional risk profiles. Geographic notes: business is written nationwide; Maine and Vermont standard business must be submitted through the Online Premium Indication feature in the Agent/Broker Portal; New York has a dedicated agent page, admitted and RRG forms, and a specific New York submission process; APC business is written on admitted paper in all states except New York and California, where APCs are written on The Doctors Company RRG paper. For APCs in New York, the insured must confirm hospital acceptance of RRG paper before binding. Submission workflow: individual physician/surgeon submissions with up to 10 shared-limit ancillaries and 5 shared-limit entities should use the MPL Online Submission tool; quick indications are available for individuals and groups with 10 or fewer providers; admitted MPL submissions with more than 10 risks should be emailed to TDCSubmissions@thedoctors.com. Submission expectations include client application completion and signature, portal upload of the resulting PDF, and supporting documents such as the application, loss runs if losses are reported, and certificate of insurance to move from estimate to bindable quote. The portal prepopulates data from NPI and DOB or license number, and the company says centralized inbox submissions are logged and assigned to a regional underwriter within up to two business days. Restricted/declined guidance is not published as a formal decline list on the verified official pages reviewed; however, the carrier distinguishes standard admitted risks from physicians outside traditional risk profiles, which are referred to TDC Specialty, and APC submissions involving CNMs/CMs receive underwriting referral due to higher risk profile. APC program notes: intended for APCs that own/control their own policy; employed APCs already scheduled on a physician group policy generally cannot buy separate APC policies simply to obtain a lower rate, though 1099 independent contractor APCs may qualify. Broker/producer notes: agent/broker registration and activation generally takes up to two business days; prospective agents should contact Agency Support; assistance is available through Agency Support at agencysupport@thedoctors.com and 800-421-2368 ext. 1391; national/regional business development contacts are listed in the appetite guide; New York broker contact information is published separately. Overall, the carrier presents a broad standard MPL appetite with strong portal-based submission preferences, centralized intake for larger admitted opportunities, and specialized handling for nonstandard or alternative-risk business.