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 (part of TDC Group) focuses on medical professional liability (MPL) for physicians, surgeons, advanced practice clinicians (APCs), and healthcare organizations, with related GL and specialty coverages available in some programs. Coverages are written by The Doctors Company, The Doctors Company Risk Retention Group, Hospitals Insurance Company, and surplus lines subsidiaries TDC Specialty Insurance Company and TDC National Assurance Company; all placements are subject to filed rules, underwriting guidelines, and approval. They do not directly underwrite E&S; surplus lines placements flow through licensed surplus lines brokers into TDC-owned surplus lines carriers. PREFERRED / TARGET BUSINESS - Core appetite is healthcare providers and organizations: individual physicians and surgeons, group practices, clinics, hospitals/health systems, and advanced practice clinicians (PAs, NPs, CRNAs, CNMs and other APCs). ([thedoctors.com](https://www.thedoctors.com/Insurance-Solutions/advanced-practice-clinicians/?utm_source=openai)) - Private equity–backed medical groups and multi-site platforms are actively targeted, with The Doctors Company and affiliated units designing MPL programs for portfolio acquisitions and growth. ([tdcg.com](https://www.tdcg.com/solutions-and-services/private-equity-insurance-and-services/?utm_source=openai)) - Alternative risk and captives: strong appetite for healthcare captives and self-insured programs that retain MPL risk, including fronting/participation, reinsurance and structured solutions for larger systems and enterprises. ([tdcg.com](https://www.tdcg.com/solutions-and-services/alternative-and-captive-risk-solutions?utm_source=openai)) - APC book is a defined growth segment; underwriting differentiates between primary care and higher-risk specialties (e.g., obstetrics, surgical practice) with tiered rating and underwriting scrutiny by specialty and scope of practice. ([thedoctors.com](https://www.thedoctors.com/Insurance-Solutions/advanced-practice-clinicians/?utm_source=openai)) RESTRICTED / DECLINED - Excess and surplus lines business is not written directly by The Doctors Company or its RRG; any E&S-type risks must be placed through surplus lines subsidiaries (TDC Specialty or TDC National Assurance) via licensed surplus lines brokers. Treat direct placement requests for E&S as out of appetite for the admitted paper and route to the surplus lines platform when appropriate. ([tdcg.com](https://www.tdcg.com/solutions-and-services/alternative-and-captive-risk-solutions?utm_source=openai)) - Availability of certain ancillary coverages (e.g., general liability, vicarious liability extensions) varies by state and form; do not assume GL or vicarious is available in all jurisdictions or for all classes. These forms are specifically noted as not being available in all states. ([thedoctors.com](https://www.thedoctors.com/Insurance-Solutions/advanced-practice-clinicians/?utm_source=openai)) - State patient compensation fund (PCF) requirements, statutory form mandates, and unique notice/endorsement rules apply; risks that cannot be brought into compliance with state-specific filing and form requirements may be declined or conditioned. ([theladders.com](https://www.theladders.com/job-listing/6173229714992009232/underwriter.htm?utm_source=openai)) GEOGRAPHIC NOTES - The company positions itself as a nationwide MPL carrier with insureds in all 50 states. Policy forms and endorsements are adjusted to comply with individual state regulations and PCF rules where applicable. ([thedoctors.com](https://www.thedoctors.com/Insurance-Solutions/advanced-practice-clinicians/?utm_source=openai)) - Hospitals Insurance Company (HIC) is a New York–domiciled affiliate used particularly for New York healthcare risks; other states are generally written on The Doctors Company or RRG paper, or via surplus lines subsidiaries when appropriate. ([tdcg.com](https://www.tdcg.com/solutions-and-services/alternative-and-captive-risk-solutions?utm_source=openai)) UNDERWRITING APPROACH / KEY RISK FACTORS - All accounts are subject to internal underwriting guidelines, delegated authority levels, and state-filed rating plans. Underwriters must keep pricing, terms, and conditions consistent with state filings and internal authority. ([theladders.com](https://www.theladders.com/job-listing/6173229714992009232/underwriter.htm?utm_source=openai)) - Risk selection emphasizes practice profile, specialty mix, procedures performed, loss history, training, supervision, and patient safety infrastructure. For APCs, underwriters differentiate by primary versus specialty settings (e.g., OB, surgery) with corresponding rate and underwriting treatment. ([thedoctors.com](https://www.thedoctors.com/Insurance-Solutions/advanced-practice-clinicians/?utm_source=openai)) - Larger or more complex risks (hospitals, PE-backed groups, captives/self-insured programs) are handled via National Underwriting and Healthcare Risk Advisors, with attention to attachment points, reinsurance structure, and potential divestiture of volatile MPL segments from multiline captives. ([tdcg.com](https://www.tdcg.com/solutions-and-services/alternative-and-captive-risk-solutions?utm_source=openai)) - All policy provisions, enhancements (e.g., CyberGuard, MediGuard, Tribute Plan eligibility), and dividends are subject to regulatory and underwriting approval and may vary by state and paper; RRG policies are specifically noted as ineligible for Tribute/dividends. ([thedoctors.com](https://www.thedoctors.com/Insurance-Solutions/advanced-practice-clinicians/?utm_source=openai)) SUBMISSION / STRUCTURING EXPECTATIONS - Standard MPL submissions (physicians, APCs, clinics, groups): expect a completed professional liability application, detailed specialty and procedure breakdown, loss runs, claims narratives where applicable, and disclosure of any regulatory or board actions. (Exact application checklists are not published on the retrieved pages; use standard MPL submission practice and confirm with the assigned underwriter.) - Captive and alternative risk deals: submissions should include current program structure, loss history, reinsurance layers, desired attachment points, and objectives (e.g., divesting volatile MPL exposures, changing reinsurance, or placing retirement tail). These are typically coordinated with TDC Group underwriting and actuarial staff. ([tdcg.com](https://www.tdcg.com/solutions-and-services/alternative-and-captive-risk-solutions?utm_source=openai)) - Private equity portfolio placements: expect consolidated exposure data for platform and add-on practices, historical and projected acquisitions, and integration strategy; underwriting works jointly with Business Development and Healthcare Risk Advisors on these accounts. ([tdcg.com](https://www.tdcg.com/solutions-and-services/private-equity-insurance-and-services/?utm_source=openai)) BROKER / PRODUCER NOTES - Producer relationships are managed regionally; underwriters are expected to collaborate with Business Development and attend broker meetings for significant accounts and overall underwriting discussions. ([theladders.com](https://www.theladders.com/job-listing/6173229714992009232/underwriter.htm?utm_source=openai)) - For large or nonstandard structures (captives, PE groups, multi-state systems), brokers are directed to contact named underwriting or finance leaders (e.g., SVP National Underwriting, VP Underwriting Portfolio Management) listed on the program pages; these contacts coordinate tailoring of terms, attachment points, and reinsurance levels. ([tdcg.com](https://www.tdcg.com/solutions-and-services/alternative-and-captive-risk-solutions?utm_source=openai)) - Surplus lines placements must go through appropriately licensed surplus lines brokers into TDC Specialty or TDC National Assurance; agents should not market these as admitted The Doctors Company policies. ([tdcg.com](https://www.tdcg.com/solutions-and-services/alternative-and-captive-risk-solutions?utm_source=openai)) OPERATIONAL SUMMARY In operational terms, treat The Doctors Company as a nationwide, physician- and APC-focused MPL carrier with strong appetite for standard physician/APC risks, group practices, hospitals, and sophisticated structures (PE-backed groups and captives). Underwriting is conservative and file-driven, with strict adherence to state filings and internal authority; E&S and nonstandard risks are channeled to TDC surplus lines subsidiaries. Producers should pre-screen for specialty risk level, loss experience, and state-specific constraints, and route complex or structured opportunities directly to the appropriate TDC Group underwriting contacts as listed on the program and solutions pages.