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.
The Doctors Company has been named in the 2025 Ward’s 50 top-performing insurers. We were chosen out of nearly 3,000 property-casualty insurance companies, and this honor recognizes our outstanding financial results in the areas of safety, consistency, and performance over a five-year period (2020–2024).
Financial Strength Ratings
A (Excellent) AM Best
A (Strong) Fitch Ratings
Financial Highlights*
Download 2024 financial facts, performance, and results
$7.8B
assets
Unrivaled financial
strength and backing
for our members
97K+
members
We’re the nation’s largest
physician-owned medical
malpractice insurer
$3.1B
member
surplus
Strongest of any national
physician-owned
medical liability carrier
| (Dollars in Thousands) | |
| Total Assets | $7,830,000 |
| Loss Reserves | $3,726,000 |
| Direct Premiums Written | $1,489,000 |
| Net Premiums Earned | $1,284,000 |
| Member Surplus | $3,119,000 |
| Number of Insured Members | 97,000 |
0.42:1
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.
1.19:1
Reserves-to-Surplus Ratio
This ratio is a measure of our financial stability. Industry standards prescribe a ratio no higher than 4.0:1.
*The Doctors Company is part of TDC Group. These results, which are based on statutory accounting, include all insurance entities of TDC Group, with the exception of number of insured members, which only includes members of The Doctors Company and The Doctors Company Risk Retention Group.
