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The Agent’s Advocate | May 2025

News at-a-Glance

New Interactive Map Gives You State-by-State Market Insights

We’re excited to launch a web-based interactive map designed to give agents and brokers easier access to essential market and departmental resources—all in one place in the Agent/Broker Area of our website.

This new feature combines state-by-state market insights and department contact information for The Doctors Company into a centralized, easy-to-navigate tool.

The interactive map allows you to:

  • Find medical professional liability (MPL) contact information for The Doctors Company’s national and state leaders.
  • Access the submission address.
  • Download our Appetite Guide.
  • View real-time, state-specific data, including market share, coverage options, premium discounts, medical society relationships, recent rate filing dates, and more.

We hope this new tool will help streamline your workflow and simplify how you connect with The Doctors Company—helping you get the information you need, when you need it.

Our 2024 Financial Results—Unrivaled Financial Strength for Your Clients

Last year was another strong financial year for The Doctors Company and its insurance subsidiaries and affiliates. With $7.8 billion in assets, The Doctors Company is a reliable partner and the strongest of any national physician-owned insurer in today’s market.

Our 2024 Financial Results are conveniently located in the Agent/Broker Area of our website. We also have a new Financial Facts handout to share with your clients. They can count on us to have the power and financial resources to protect them today and for many years to come.

TDC Group 2024 Annual Report—Now Includes More Detailed Financial Results

2025 Cover Image

Our TDC Group 2024 Annual Report is available for you and your clients. Focusing on our longstanding history of providing expert guidance, resources, and coverage for our members, the report highlights TDC Group’s commitment to best imaginable service and advocacy on behalf of the practice of good medicine. We have also included more detailed 2024 financial results for you to present to your clients when discussing our financial strength and stability.

In an ever-shifting landscape, TDC Group is a powerful champion for healthcare helping medical professionals navigate change with certainty. We encourage you to review the report and gain a better understanding of all of the products and services TDC Group can offer your clients as we continue to build the preeminent organization for service to healthcare.

The Doctors Company Declares Largest Dividend in Seven Years

The Doctors Company is returning approximately $15.1 million in premium dividends in 2025, bringing the total amount of dividends declared to date to more than $485 million.

Our generous multiyear dividend program returns premiums to qualifying members for better-than-expected loss experience. Dividends of up to 10 percent were approved by The Doctors Company Board of Governors for eligible members in the following states: Florida, Idaho, Illinois, Maryland, Massachusetts, Michigan, Montana, North Carolina, Ohio, Oregon, Texas, Virginia, Washington, and Wyoming. Members of the American Society of Plastic Surgeons® may also receive a dividend, depending on their eligibility.

Eligible members will receive this year’s dividend on their annual premium for policy renewals between July 1, 2025, and June 30, 2026.

APC Business Opportunities

Summertime brings a seasonal uptick in potential opportunities to write new advanced practice clinician (APC) business. With newly licensed graduates entering the field and existing clinicians renewing their policies, it’s a good time to engage clients and prospects and expand your book of business.

Consumer Portal Enhancements

In time for a projected increase in business, we’ve rolled out improvements to the consumer portal that make transacting APC business smoother. Applicants can now select limit options earlier—on the initial quote screen—and receive their quotes by email automatically, without needing to save their quote or start the application process. More user- and agent-experience upgrades are planned for the coming months.

Travel Incentive Credit Doubled for APC Business

New APC business with policy effective dates of July 1, 2024, through June 30, 2025, counts toward this year’s highly anticipated travel incentive. Premiums between $50,000 and $250,000 will be doubled when calculating your progress toward the $1 million new business goal that secures a guaranteed spot on the grand prize trip to the Beau-Rivage Palace in Lausanne, Switzerland. To qualify for the multiplier, you must generate at least $50,000 in new APC business. Any premiums over $250,000 will count at face value.

APC NB Premium Credit Applied Total Applied Towards Incentive
$50,000 x2 $100,000
$250,000 x2 $500,000
$350,000 x2 (first $250k) $600,000

Additional Commission for Solo-to-Five Submissions

All agents and brokers are eligible to earn a bonus 5 percent commission—paid on both new business and the first renewal (excluding New York)—for solo-to-five APC submissions.

Agent/Broker Portal News

The Doctors Company is committed to improving the ease of doing business with our agents and brokers. In addition to the several enhancements made to the portal in April, we now have a reference guide for the newly added Policies Canceled for Non-Payment screen, as well as an updated Agent/Broker Portal User Guide that covers all the basics for navigating the portal.

As a reminder, The Doctors Company will be implementing two-factor authentication, also known as multifactor authentication, as a mandatory data security precaution for our Agent/Broker and Member portals on September 10, 2025.

The use of this authentication process is not just a requirement of The Doctors Company, but it is also a regulatory requirement that we must follow to protect proprietary information. Industry trends show that many other insurance carriers are also shifting to the use of two-factor authentication.

The process is simple. All portal users will be required to have their own unique username and password. In addition, there will be two types of authentication factors accepted by The Doctors Company to gain access to the portal. You can either receive a code via an SMS text message or a voice phone call.

We will continue to keep you informed as we approach the required phase of two-factor authentication.

Survey Confirms Our Best Imaginable Service Efforts for Your Clients

As the nation’s largest physician-owned medical malpractice insurer, we are dedicated to providing your clients with the best imaginable service.

One of the key results of our 2024 Member Experience Survey was that 88 percent of our members agree The Doctors Company provides the best imaginable service—the highest ranking in the six years we’ve asked this question.

Other exemplary findings from our survey included our members being very satisfied or satisfied as represented by the following:

  • 94 percent with our billing accuracy
  • 93 percent with our Member Services’ handling of phone calls, questions, and requests
  • 93 percent with our claims defense efforts
  • 90 percent with our claims prevention efforts

Key Details About Our 2025 Annual Agents and Brokers Meeting in September

Our in-person Annual Agents and Brokers Meeting will take place at the Silverado Resort in Napa, California, from September 3–5. This year’s theme is Power of Partnership and is centered around our shared success and sincere appreciation for our strategic distribution partners. The event will be open to Chairman’s Circle and Key Agencies.

As always, the meeting will feature insightful presentations from company executives and industry experts. We are also excited to introduce several new experiences and opportunities to connect this year:

  • Newly added one-on-one meeting options available both Wednesday and Friday
  • Optional morning wellness opportunities
  • Additional networking time
  • Sales-centric afternoon keynote speaker

Agents and brokers will have the opportunity to network with their peers and TDC Group representatives, take part in leisurely activities such as wine tasting or golf, and enjoy a top-notch dining experience.

Questions about either the event or qualifying criteria to become a Chairman’s Circle or Key Agency may be directed to your Business Development representative or Johana Moreno, Events Management, at (800) 421-2368, extension 1415, or jmoreno@thedoctors.com.

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