Protecting Physicians and Surgeons Since 1976
Doctor-Owned. Doctor-Focused. Malpractice Coverage Tailored
for New York Doctors.
Your Practice. Protected.
As healthcare continues to evolve, New York 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 New York'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 gives you physician-designed protection backed by national strength and local New York 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. The Doctors Company is 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. We offer superior rates for most specialties in New York, along with valuable benefits.
Trusted Among Your Peers
Esteemed medical societies throughout the state endorse The Doctors Company as their chosen medical liability insurance carrier.
Risk Management Premium Credit and Section 18 Participation
Members who complete approved risk management coursework qualify for a 5 percent premium credit. The coursework also meets one of the requirements for Section 18 participation.
Visionary Risk Management Experts
Our members have access to a wealth of risk management and patient safety resources. 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 essential administrative and regulatory defense coverage.
By Doctors. For Doctors.
As an organization founded and led by medical professionals, we understand the pressures you face and your unique needs. We appreciate that a medical career is lifelong, and we go the extra mile to make insurance protection easy for you.
FAQs
Coverage limits vary by specialty and risk exposure, but New York physicians commonly carry limits such as $1.3M/$3.9M. Higher-risk specialties (e.g., surgery, ob/gyn) may require higher limits, especially when credentialing with hospitals or joining group practices.
Established by New York state law in 1986, Section 18 provides an additional $1M/$3M layer of coverage in excess of primary insurance limits (admitted policies only) at no additional cost.
This gives a New York physician $2.3M per occurrence and $6.9M in aggregate per policy year.
New York is considered a high-risk, high-cost malpractice environment due to:
- High claim frequency and severity
- Larger jury awards
- Long statute of limitations in certain cases
As a result, premiums are often among the highest in the U.S., especially for surgical specialties.
- Claims-made policies cover claims filed while the policy is active. You may need tail coverage when switching insurers or retiring.
- Occurrence policies cover incidents that happen during the policy period—regardless of when the claim is filed.
Claims-made coverage is more common in New York due to lower upfront costs.
Yes—if you have a claims-made policy, you’ll need to ensure continuity of coverage:
- Tail coverage covers claims filed after your policy ends
- Prior acts (nose) coverage: Your new insurer covers past exposure
This is critical when changing employers, relocating, or transitioning to a new carrier.
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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