The Doctors Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
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 is a U.S. medical professional liability carrier focused on healthcare risks, with admitted appetite published for solo practitioners (physicians, surgeons, and dentists), small and large groups, non-acute affiliated facilities, and advanced practice clinicians. The carrier states it writes all specialties and has appetite for all standard business risks, indicating broad core MPL appetite rather than a narrow class list. Operationally, complex/custom accounts, hospitals, allied health risks, and geographically diverse/multistate accounts are handled through regional underwriting leadership, and the broader TDC Group platform also supports alternative risk structures including fronting, captives, loss portfolio transfers, and novations. For harder-to-place physicians outside traditional risk profiles, the company directs agents to TDC Specialty. Geographic notes: business is presented as nationwide/U.S.-focused, with all 50-state advocacy support; alternative/captive contacts are split between New York and all other states, and certain coverages may be underwritten by The Doctors Company, The Doctors Company Risk Retention Group, Hospitals Insurance Company (New York), or surplus lines affiliates depending on structure and domicile. Restricted/declined guidance is not published as a formal class-by-class decline list on public official pages reviewed; however, the public broker guidance implies standard admitted MPL is for standard business risks, while nontraditional or difficult risks may be routed to TDC Specialty or alternative/captive solutions, and excess/umbrella is specifically noted only with the primary risk. Submission requirements and broker instructions: The consumer flow supports direct quote intake for physicians/surgeons, dentists, and advanced practice clinicians, or placement through a local agent. For appointed agents/brokers, the Agent/Broker area requires portal registration, with verification/activation typically taking up to two business days. The broker submission page states new MPL business can be submitted multiple ways, encourages Quick Quote for submissions of 10 or fewer risks, and recommends MPL Online Submission for individual physician/surgeon risks with up to 10 shared-limit ancillaries and 5 shared-limit entities to speed underwriting response. The public submission page itself redirects to the broker portal login, so practical access to detailed submission workflows appears credential-gated. Broker notes: Agency Support is available for questions, and prospective agents are invited if they are established medical malpractice producers representing physicians. Overall, current published guidance supports broad standard MPL appetite for individual and group healthcare professionals, with specialty handling for complex, nonstandard, captive, and surplus lines placements.