A Strong, Proactive Insurance Partner

The Doctors Company has always been guided by a fundamental belief: That the practice of good medicine should be advanced, protected, and rewarded. Our financial success has been built on a conservative business philosophy designed to fully empower this mission. For this reason, and many others, we are the nation's largest physician-owned medical malpractice insurer, giving us the power and financial resources necessary to protect our members today and for many years to come.

Financial Strength Ratings

A (Excellent) A.M. Best Company

A (Strong) Fitch Ratings


Financial Highlights

Download 2018 financial facts, performance, and results




Unrivaled financial
strength and backing
for our members



We’re the nation’s largest
physician-owned medical
malpractice insurer




Strongest of any national 
medical liability carrier

(Dollars in Thousands)
Total Assets $4,548,000
Loss Reserves $1,729,000
Direct Premiums Written $679,000
Net Premiums Earned $666,000
Policyholders' Surplus $2,017,000
Number of Insured Members 82,000




Written Premium-to-Surplus Ratio

This ratio, based on net written premium, is a measure of our financial strength. Industry standards prescribe a ratio no higher than 3.0:1.


Reserves-to-Surplus Ratio

This ratio is a measure of our financial stability. Industry standards prescribe a ratio no higher than 4.0:1.


Founded and led by physicians, The Doctors Company provides expert guidance, resources, and coverage for its 82,000 members. And unlike commercial insurers that reward shareholders, The Doctors Company rewards its members—with the Tribute® Plan, an unrivaled career benefit that recognizes doctors for their loyalty and their commitment to the practice of good medicine, and a generous dividend program. And with risk management experts available 24/7 and aggressive protection in the courtroom, we lead the industry in how we support the medical profession and partner with those providing care.

Annual Reports

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