How to Qualify for Spots on the Trip
There are 10 spots that are guaranteed to be awarded under the terms for this Agent/Broker Travel Incentive to participating agencies/brokerages* for a trip to Lake Como, Italy, (“Guaranteed Spots”). Each Guaranteed Spot includes two invitations—one for the qualifying agent or broker, and one for a guest of their choice. Notwithstanding the number of Guaranteed Spots, any agency/brokerage* that writes $1.25 million ($1,250,000) in new business from July 1, 2026, through June 30, 2027, will be awarded (along with a guest of their choice) with the trip to Lake Como, Italy. If there are less than 10 agencies/brokerages* that write $1.25 million in new business, at least 10 agencies/brokerages* (i.e., the Guaranteed Spots) will still be awarded (along with a guest of their choice) the trip to Lake Como, Italy, based upon the terms described in greater detail herein.
Qualify for a Second Spot: Agencies/brokerages* can qualify to invite a second producer from their agency/brokerage and a guest to accompany them on the trip. To qualify for the second spot, agencies/brokerages* must write $3.75 million ($3,750,000) in new business ($1.25 million for the first spot and $3.75 million in total inforce new business for the second spot). Notwithstanding the foregoing, where a single large account is written to achieve $3.75 million in total inforce new business for the second spot, in such instance, in order to qualify, the single large account must represent premium of $6.25 million ($6,250,000) or greater (for informational purposes only and in no way any limitation, due to the increased risk of cancellation and possible acquisition or midyear migration to a self-insured program). These second spots are in addition to the 10 guaranteed spots.
Qualify for a Third Spot: Agencies/brokerages* can also qualify for a third spot on next year’s trip to Lake Como, Italy. Those who qualify will be able to invite an additional (third) producer from their agency/brokerage and a guest to accompany them on the trip.
Our qualifying criteria has been amended to add this third spot by writing $6.25 million in new business ($1.25 million for the first spot, $3.75 million total inforce new business for the second spot, and $6.25 million in total inforce new business for the third spot). Notwithstanding the foregoing, where a single large account is written to achieve $6.25 million in total inforce new business for the third spot, in such instances, in order to qualify, the single large account must represent premium of $12.5 million ($12,500,000) or greater (for informational purposes only and in no way any limitation, due to increased risk of cancellation and possible acquisition or midyear migration to a self-insured program). The third spots are in addition to the 10 spots already available as well as any second spots an agent or broker has qualified for between July 1, 2026, and June 30, 2027.
| Spots | New Business | Qualifying New Business |
| 1 | $1.25M | Multiple new business policies or one large |
| 2 | $3.75M | Multiple new business policies totaling $3.75M |
| 2 | $6.25M | One large policy totaling $6.25M |
| 3 | $6.25M | Multiple new business policies totaling $6.25M |
| 3 | $12.5M | One large policy totaling $12.5M |
Remaining Guaranteed Spots: The following combined scores will determine the agency/brokerage* that is awarded any remaining Guaranteed Spot for the trip to Lake Como, Italy, [i.e., “remaining” means those spots still available within the first 10 spots that are guaranteed; for example (only for the purposes of illustration), if only 8 agencies/brokerages qualify for the Agent/Broker Travel Incentive based upon writing $1.25 million in new business from July 1, 2026, through June 30, 2027, the remaining 2 guaranteed spots will be decided according to the method described below]:
44 percent—New business production for the agencies/brokerages* from July 1, 2026, through June 30, 2027.
44 percent—Member retention ratio for the agencies/brokerages* inforce business with The Doctors Company as of the end of each quarter.
12 percent—Correct responses to four online agent quizzes† in future issues of The Agent’s Advocate newsletter.
New Business Guidelines
- The calculation of the $1.25 million will only include new business that is both submitted and written with an effective date, on or before June 30, 2027, and, for the purposes of clarity, new business that is submitted after June 30, 2027, shall not be counted toward the $1.25 million if such new business is back dated with an effective date on or before June 30, 2027. In such an instance, the new business will be credited toward any incentive program for the following year subject to the terms and conditions of any such incentive program(s).
- New business includes add-ons but excludes agent of records (“AORs”) or broker of records (“BORs”) acquired business, tail premium, fronting, nonstandard physicians (formerly PULIC program), and business underwritten by TDC Specialty Underwriters (“TDCSU”).
- New business premium for mid-term add-ons endorsed onto existing policies are calculated on a prorated basis (the premium will not be annualized).
- New business policies and premium issued on a short-term basis will not be annualized.
- Auditable new business policies can affect new business premium calculation +/- and can carryover from the prior program year.
- New business premium from the Hospitals Insurance Company (“HIC”) physician program will be credited toward earning the new business requirement.
- New business hospital professional liability (“HPL”) premiums written on HIC paper, or underwritten by TDCSU and issued by TDC Specialty Insurance Company (“TDCSI”) or TDC National Assurance Company, in New York will count toward Agent/Broker Travel Incentive eligibility, provided that for HPL premiums written through TDCSU, the agency or brokerage meets applicable placement requirements. Refer to the section titled “Incentive Related to Certain New Business Hospital Professional Liability Premium” below.
Advanced Practice Clinician and Dental New Business Guidelines
New business (“NB”) for the advanced practice clinician (“APC”) and dental (“DEN”) programs with policy effective dates of July 1, 2026, through June 30, 2027, is credited toward earning the travel incentive (and is not capped). Here’s how it works:
Multiplier Calculation
For new APC and DEN business, premiums above $50,000 will be multiplied by two times (x2) their value. For the purpose of calculating progress toward the new business goal of $1,250,000, which earns a Guaranteed Spot for the trip to Lake Como, Italy, the amount of the premiums earned will be doubled. However, agents/brokers must generate at least $50,000 in new APC and DEN business for the multiplier to apply. For example:
| APC and DEN NB Premium |
Credit Applied | Total Applied Towards Incentive (Not Capped) |
| $50,000 | x2 | $100,000 |
| $250,000 | x2 | $500,000 |
| $350,000 | x2 | $600,000 |
Hospital Professional Liability New Business Guidelines
HPL new business premium written on the paper of HIC, or underwritten by TDCSU and issued by TDCSI or TDC National Assurance Company in the state of New York, will be considered for the purpose of determining the eligibility for the Agent/Broker Travel Incentive, provided that for HPL premiums written through TDCSU, the agency/brokerage* must collectively have at least $1 million ($1,000,000) of inforce medical professional liability (“MPL”) insurance premium (i.e., physician, dentist, and advanced practice clinicians) on the paper of The Doctors Company and/or The Doctors Company Risk Retention Group (“RRG”), on the inception date that any new HPL business is issued by the applicable carrier in order for the HPL premiums to be considered for the purposes of determining eligibility for the Agent/Broker Travel Incentive. For the purposes of clarity, HPL premiums written outside the state of New York, regardless of carrier, will not qualify. In addition, this Agent/Broker Travel Incentive does not include renewal HPL premiums for the purposes of determining eligibility.
Notwithstanding the foregoing, neither wholesalers nor agents/brokers and/or agencies/brokerages not appointed by The Doctors Company to solicit business in the admitted market on behalf of The Doctors Company [via an Agency Agreement with The Doctors Company Insurance Services (“TDCIS”)] (collectively “Non-Appointed Producers”) will be eligible to add any HPL business for the purposes of determining eligibility for the Agent/Broker Travel Incentive.
*Based on individual agency/brokerage location production/retention, as opposed to agency/brokerage group production/retention.
†Only the first completed quiz per agent will be counted; however, there is no limit to the number of agents/brokers who can take the quiz. The quiz score that is recorded is the quiz with the highest number of correct answers per agency/brokerage location.
Legal Notice: Agents, brokers, agencies, and brokerages agree that their participation in the above-described Agent/Broker Travel Incentive is deemed to be an acceptance of all the terms herein as well as any reasonable amendments necessary to administer and manage such Agent/Broker Travel Incentive. In the event any dispute should arise concerning any aspect of the Agent/Broker Travel Incentive, such dispute shall be resolved in the sole and reasonable discretion of The Doctors Company. Wholesale brokers of The Doctors Company or TDC Specialty Underwriters are not eligible to participate in the Agent/Broker Travel Incentive.
