Insurance Discounts

Claims-Free Discount: 

 A claims-free discount shall be applied on the effective date of the policy for all Named Insureds meeting the following criteria:

Named Insured is a policyholder with the Company for at least 3 full years immediately preceding the effective date of the policy.

Cumulative outstanding claim reserves (indemnity and allocated loss adjustment expenses) less than $20,000.

Cumulative claim payments (indemnity and allocated loss adjustment expenses) less than $10,000 in the last 3 full years immediately preceding the effective date of the policy.

Program Discounts:

We offer program discounts and credits to members of the Nation’s most prestigious Medical Organizations:

American Academy of Otolaryngology- Head and Neck Surgery (AAO-HNS), American Associates of Neurological Surgeons (AANS)  American College of Physicians (ACP), American Society of Plastic Surgeons (ASPS) they recognize our efforts in support of doctors and endorse or sponsor The Doctors Company as their chosen professional liability insurance carrier.

One of the members benefit from program discounts and credits is: Premium discounts—members with favorable claims histories receive a 5 percent program discount.

New Doctor Discount:

New physicians just out of training receive sizable discounts their first two years insured with The Doctors Company.

Practice Profile Credits:

The Doctors’ Company understands that not all practices within the same specialty are the same. Some practices focus on procedures that are state of the art, less invasive or in some way might warrant a lower premium.

We at The Doctors Insurance Agency work with our applicants to define the practice within the specialty to achieve comprehensive coverage at the lowest cost.