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Founded by California physicians in 1976 in response to a crisis in insurance affordability and availability, The Doctors Company remains fiercely committed to defending, protecting, and rewarding the practice of good medicine. Today, we are the largest national insurer of physician and surgeon medical liability, with more than 45,000 insured physicians, including 19,000 of your California colleagues.
With seven physicians on our 12-member Board of Governors—including Medical Director David B. Troxel, MD, a past president of the California Society of Pathologists—we possess unique insight into what pathologists need from their insurance company.
Our medical liability program offers CSP members a unique combination of coverage features, aggressive claims handling, industry-leading patient safety programs, and tangible economic benefits.
Here are answers to common questions about our CSP program:
Q: If I join The Doctors Company’s CSP program, can I get a discount on my premium?
A: Yes. Subject to underwriting approval, The Doctors Company is offering a 5 percent premium discount for eligible CSP members.
Q: What are the program benefits?
A: Our CSP program benefits include a discount for eligible members, a consent-to-settle provision, free tail coverage at any age, and free continuing medical education programs. CSP members insured with The Doctors Company are also eligible to participate in the Tribute® Plan, a one-of-a-kind financial career award that honors physicians for their loyalty to The Doctors Company and their dedication to practicing good medicine.
Q: If I am already a member of The Doctors Company, can I switch to the CSP program?
A: Yes. CSP members who are already insured with The Doctors Company can transfer to our CSP program by notifying us in writing. Members who transfer will receive all of our CSP program benefits.
Q: Why does CSP’s sponsorship of The Doctors Company matter to me?
A: The Doctors Company is the only carrier able to offer physicians local knowledge that is backed by broad national experience. This unique national viewpoint allows us to identify trends in all specialties in every region of the country. We draw on this knowledge to create industry-leading patient safety and risk management strategies, tools, and programs that help our physicians reduce risk and enhance patient safety.
Q: How will CSP and The Doctors Company work together?
A: Our collaborative relationship with CSP provides an invaluable forum for identifying and resolving critical issues in pathology. CSP’s Professional Liability Committee meets with our senior executives regularly, and committee members participate in panel discussions of claims issues.
Q: Is The Doctors Company financially secure?
A: With The Doctors Company, you gain the assurance of having a company with $2.8 billion in assets on your side. Our conservative fiscal approach and conscientious investment strategies have earned us financial strength ratings of A (Strong) by Fitch Ratings and A- (Excellent) by A.M. Best Company. We have also been named to the 2009 Ward’s 50 top performing property-casualty companies in the insurance industry. So you can count on us to have the power and financial foundation to protect your practice at anytime, anywhere.
Q: What is The Doctors Company’s claims defense record?
A: For more than 30 years, we have built our reputation on providing the most aggressive claims defense in the industry. In fact, our defense is so effective that over 82 percent of claims filed against our physicians are closed with no payment to the plaintiff. Of the few claims that go to trial, over 87 percent result in victory for our physicians.
You can be sure that if a claim is leveled against you, our expert defense team will be with you each step of the way, marshaling every resource necessary to resolve it.
Q: Is The Doctors Company endorsed or sponsored by other medical associations and societies?
A: The nation’s leading medical organizations recognize our efforts in supporting doctors and have selected us as their professional liability insurance carrier. These organizations, which represent over 250,000 physicians and surgeons nationwide, include the following:
- American College of Physicians
- American College of Surgeons
- American Society of Plastic Surgeons®
- American Association of Neurological Surgeons
- American Academy of Otolaryngology—Head and Neck Surgery, Inc.
- California Association of Oral and Maxillofacial Surgeons
- Denver Medical Society
- Idaho Academy of Family Physicians
- Los Angeles County Medical Association
- Montana Medical Association
- Ohio State Medical Association
- San Diego County Medical Society
- Santa Barbara County Medical Society
- University HealthSystem Consortium
- Ventura County Medical Association
- Wyoming Medical Society
Q: If I decide to leave The Doctors Company’s CSP program, can I get tail coverage?
A: Yes. Any CSP member who elects to terminate his or her policy with The Doctors Company will be offered tail coverage. We will offer tail coverage at a premium consistent with our underwriting guidelines and in compliance with California regulatory filings.
The Doctors Company also offers free tail coverage for physicians on full retirement who have been insured for five continuous years or those who die or suffer permanent and total disability.
Discover the advantages of our CSP program
To learn more about our program for CSP members, call us at (800) 352-0320 or e-mail us at TDCSales@thedoctors.com.
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