Protecting Physicians, Surgeons, and Oral Surgery Practices Since 1976
Doctor-Owned, Member-First. Malpractice Coverage That’s Built for You.
Your Practice. Protected.
As healthcare continues to evolve, California physicians need a strong, trusted partner so you can focus on what you do best—delivering care. Now is the ideal time to compare your current coverage with The Doctors Company. We offer some of California's most competitive rates, relentless defense, and industry-leading member benefits.
Switch to an Insurer Led by Doctors, Not Shareholders
You need a malpractice insurer that puts your practice first—not shareholder returns. As a doctor-owned company, The Doctors Company offers physician-designed protection backed by national strength and local California expertise.
$264,808: Highest Tribute Balance
The Tribute® Plan is a one-of-its-kind program that rewards physicians and surgeons when they retire for their loyalty and dedication to superior patient care.
Financially Strong
With $12 billion in assets, we have the financial strength and stability to protect you throughout your career. We are rated A by AM Best and Fitch Ratings.*
We Fight to Win
If a claim is made against you, we will never settle without your permission, subject to your policy terms and applicable law.
93% Member Satisfaction
Providing superior service is more than a best practice for us, it’s at the core of who we are.
Competitive Rates. Unmatched Benefits.
Even if your current premium seems competitive, it’s worth getting a quick quote to compare overall value. For many specialties in California, our superior rates are enhanced by premium credits, discounts, and valuable benefits designed to protect your practice.
Trusted Among Your Peers
The Doctors Company is the Exclusive Medical Professional Liability Insurance Company Corporate Sponsor of the California Medical Association, reflecting our long-standing commitment to California physicians. That commitment is also recognized by medical societies throughout the state, including the Central Coast Medical Association, Orange County Medical Association, San Diego County Medical Society, Ventura County Medical Association, and California Association of Oral & Maxillofacial Surgeons, which endorse The Doctors Company as their chosen medical liability insurance carrier.
Free Tail Coverage
When it’s time to retire from practice, qualified members receive free tail coverage—an important benefit that helps protect against future claims tied to care provided during active practice.
Trusted Advocate for 50 Years
Since 1976, our dedicated Government Relations team has been the only medical professional liability advocacy program covering all 50 states and the federal government, advocating for clinicians at the local California level and nationwide.
Visionary Risk Management Experts
Our members have access to a wealth of risk management and patient safety resources to help reduce malpractice allegations. Our extensive claims database gives us an unparalleled understanding of lawsuits against doctors, and these insights enable us to anticipate emerging trends and deliver innovative patient safety tools to help our members reduce risk.
Administrative and Regulatory Defense Coverage Included
Your policy automatically includes MediGuard®, providing administrative and regulatory defense coverage.
FAQs
As a physician or surgeon, you face professional risks every day. Even when care meets the appropriate standard, unexpected outcomes, communication issues, or allegations of negligence can result in a malpractice claim.
Medical malpractice insurance is a type of professional liability insurance that helps protect you and your practice from the financial and legal impact of these claims. Coverage typically includes legal defense costs, settlements, judgments, and other covered expenses.
More than just financial protection, medical professional liability insurance provides access to experienced claims professionals and risk management resources that can help you navigate complex situations with confidence.
Medical professional liability insurance helps protect physicians and surgeons when a patient alleges that medical care caused harm.
When a claim is filed, coverage may help with:
- Legal defense costs.
- Attorney fees and court expenses.
- Settlements and judgments.
- Licensing board matters and other covered proceedings.
The claims process typically includes:
- Claim review and investigation: Experienced claims professionals evaluate the allegations and gather relevant information.
- Legal defense: Specialized defense counsel is assigned to represent your interests.
- Resolution: The claim may be dismissed, settled, or proceed to trial depending on the circumstances.
Even when a claim lacks merit, defending yourself can require significant time and resources. Medical professional liability insurance helps ensure you have the financial protection and expert support needed to navigate the process.
Because every specialty faces unique risks, coverage options, limits, and policy features should be tailored to your practice and professional needs.
The policy will respond to both typical and expected medical procedures for your specialty and training within your covered territory.
Tail coverage (also known as extended reporting period coverage) protects the healthcare practitioner against all claims that arise from professional services performed while the claims-made policy was in effect but were reported after the termination of the policy. Some insurers offer this feature free of charge for retiring doctors who meet certain requirements.
Nose coverage (also known as retroactive or prior acts coverage) provides insurance for claims arising from incidents that occurred while a previous claims-made policy or policies were in effect, but that were not reported until that policy (or the last in a succession of policies) was terminated. With retroactive coverage, the new policy covers such claims and the purchase of tail coverage from the previous carrier is not necessary.
In today’s healthcare environment, the challenges of running a medical group are complex. The Doctors Company offers consultative, customized, and innovative solutions to reduce and control costs, manage employee benefits, and safeguard your practice.
We automatically provide MediGuard® coverage as part of our medical malpractice policy. This important coverage provides you with legal representation for administrative actions brought by Medicare/Medicaid, medical licensing boards, credentialing reviews and actions, professional review organizations, federal agencies regarding EMTALA, and the DEA.
We help you consolidate a dizzying range of choices into smart decisions. Our experts evaluate insurance options and negotiate to obtain comprehensive coverage at competitive rates for the following products:
In 2007, we created the Tribute® Plan to reward members for their loyalty to The Doctors Company and for their commitment to superior patient care. We’ve paid over $200 million in Tribute awards, and the highest award paid to date is $264,808. Eligible members also participate in our generous multiyear dividend program, which has declared $500 million in dividends to date.
The Doctors Company offers the tools and resources you need to help reduce risk and keep your practice safe. Your coverage includes access to accredited education courses, online disclosure resources, and health literacy tools, as well as personalized risk management services and patient safety programs.
Not sure about some insurance terms? Visit our glossary for easy explanations.
*The Doctors Company is rated A (Excellent) by AM Best. This is the third highest of 16 rating levels. AM Best’s financial strength rating is assigned to companies that have, in their opinion, an excellent ability to meet their ongoing insurance obligations.
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