TDC Specialty Insurance Company

What TDC Specialty Insurance Company does

TDC Specialty Insurance Company is the E&S (Excess & Surplus) lines specialist within TDC Group, the parent organization of The Doctors Company, the nation's largest physician-owned medical malpractice insurer. Founded in 2016 and headquartered in Unionville, Connecticut, TDC Specialty underwrites specialty healthcare liability coverage for hospitals and health systems, outpatient medical facilities, long-term care operators, E&S physicians, managed care organizations, life sciences companies, and management liability buyers across the United States. Product lines span professional liability, managed care E&O, management liability (D&O/EPL/Fiduciary), products liability, and clinical trials coverage, with policies issued on both non-admitted E&S paper and admitted paper through affiliated carriers (TDC Specialty Insurance Company, TDC National Assurance Company, and Hospitals Insurance Company), all rated A by AM Best.

The company operates a data analytics platform that integrates proprietary claims data, hospital data, and third-party sources such as NPDB to benchmark insureds against peers, surface clinical risk patterns at the provider and department level, and support litigation decision-making. Distribution is exclusively through approved wholesale brokers and select retail brokers, supported by broker education programs, regional events, and Platinum-level industry sponsorship. The company grew from less than $10M in gross written premium in 2016 to more than $200M by the close of 2020 and has cumulatively written in excess of $500M in gross premiums since inception, supported by a leadership team drawn from veterans of OneBeacon, Medical Protective, Zurich, CNA, and other major healthcare underwriters.

Name

TDC Specialty Insurance Company

Legal name

TDC Specialty Insurance Company

Website

https://tdcspecialty.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

TDC Specialty Insurance Company underwrites Excess & Surplus specialty liability coverage exclusively for U.S. healthcare organizations—hospitals, medical facilities, long-term care, physicians, managed care, and life sciences—distributed through wholesale and retail brokers, with affiliated carriers rated A by AM Best.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Professional Liability (E&O) (FSAJAGAC)

akta.pro secondary industries

Directors & Officers (D&O) Liability (FSAJADAF), Product Liability (FSAJADAC)

Keywords

• Medical malpractice insurance
• Healthcare liability coverage
• Excess surplus lines insurance
• Specialty insurance underwriting
• Professional liability coverage

Headquarters

HQ city

Unionville

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Specialty Insurance Premiums: TDC Specialty generates revenue through insurance premiums for healthcare liability coverage including medical malpractice, professional liability, managed care E&O, management liability, and products liability. Premiums are collected for various coverage types including primary, excess, and umbrella policies with limits ranging up to $15 million.
2. Co-insurance Partnerships: Revenue shared through co-insurance arrangements with partners like RLI for complementary coverage lines such as auto liability for ambulance risks

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

TDC Specialty Insurance Company provides specialty insurance products and services exclusively to healthcare organizations through Excess & Surplus (E&S) lines, offering professional liability, managed care E&O, management liability, products liability, and related coverage for hospitals, medical facilities, long term care operators, physicians, managed care entities, and life sciences companies. The company supports these products with data-driven risk management, claims analytics, and broker-led distribution.

Product overview

TDC Specialty operates as a specialty insurance platform offering Excess & Surplus (E&S) lines coverage exclusively for healthcare organizations. The portfolio consists of seven core insurance products (Hospitals and Health Systems, Medical Facilities, Long Term Care, E&S Physicians, Managed Care, Management Liability, and Life Sciences) supplemented by add-on modules including Reproductive Health Defense Protection, EPL Risk Management Services, and Data Analytics Services. The company also provides Data Analytics as a standalone service for hospitals and risk managers. Products are distributed through approved wholesale and select retail brokers, with affiliated writing companies TDC Specialty Insurance Company, TDC National Assurance Company, and Hospitals Insurance Company all rated A by AM Best.

Differentiator

Problem solved

Functional benefit

Products and services

• Hospitals and Health Systems Insurance Professional liability and related coverage solutions for hospitals and health systems of all sizes, including reinsurance of captives and nontraditional structures, supported by data-driven risk management and claims handling.
• Medical Facilities Insurance Professional liability coverage for outpatient medical facilities including ambulatory surgery centers, dialysis centers, imaging facilities, home healthcare, hospice, urgent care, and telemedicine providers.
• Long Term Care Insurance Professional liability coverage for long term care operators including skilled nursing facilities, assisted living, memory care, independent living, and CCRCs, available on claims-made and occurrence bases.
• E&S Physicians Insurance Excess and surplus lines professional liability coverage for individual physicians, physician groups, podiatrists, dentists, and non-standard physicians who have been denied coverage elsewhere, with ERP/tail options.

Quantifiable outcome

• TDC Group serves over 100,000 healthcare professionals and organizations
• +3 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• RLI Insurance CompanycoreStrategic or Co-development Partner · 11 October 2022Collaboration with RLI Insurance Company for ambulance risks. RLI provides auto liability coverage to eligible TDC Specialty Underwriters ambulance risks in states where RLI's auto coverage is filed and approved. Both carriers add clarifying endorsements on loading and unloading exposures to eliminate coverage gaps. Policies are issued separately by each insurer.
• OneBeacon Insurance GroupcoreStrategic or Co-development Partner · 17 September 2020TDC Specialty Underwriters purchased renewal rights to OneBeacon's Managed Care and Medical Professional Liability books of business. Selected underwriting and claims staff from OneBeacon joined TDCSU. Susan Angelo leads Managed Care, Jeff McDonald leads Medical Facilities, and Cheri Priddy leads Physician business.
• OmniSure Consulting GroupcoreStrategic or Co-development PartnerOmniSure Consulting Group is a specialized risk management partner providing loss control service and support to healthcare organizations. For over 20 years, OmniSure has built an extensive network of diverse industry experts with deep industry knowledge.
• The Doctors CompanyflagshipStrategic or Co-development PartnerTDC Specialty is a subsidiary and E&S lines specialist within TDC Group, which includes The Doctors Company. The Doctors Company is the nation's largest physician-owned medical malpractice insurer with 50 years of experience. TDC Specialty leverages The Doctors Company's expertise, financial strength (A.M. Best rated), and market reputation.
• Healthcare Risk Advisors (HRA)flagshipStrategic or Co-development PartnerHealthcare Risk Advisors operates together with TDC Specialty Underwriters as TDC Specialty in the marketplace. HRA provides self-insurance and risk transfer solutions for hospitals, large medical practices, and health systems. The combined entity offers enhanced data analytics and risk management capabilities.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• CNA Financial: CNA is a national P&C insurer with a Healthcare segment providing medical professional liability, management liability, and products liability for healthcare organizations. Comparable as an incumbent with overlapping healthcare liability capabilities across hospital and life sciences segments.
• The Doctors Company: The Doctors Company is the nation's largest physician-owned medical malpractice insurer and TDC Specialty's parent. Comparable as the flagship admitted-market healthcare liability carrier within TDC Group, with overlapping customer base and underwriting expertise.
• Zurich North America: Zurich is a major global insurer with a dedicated Healthcare Professional Liability practice serving hospitals and physicians. Comparable as a broader commercial carrier with a healthcare specialty, but with portfolio diversification across non-healthcare lines.
• Tokio Marine HCC: Tokio Marine HCC's Specialty Insurance group provides medical stop-loss and healthcare professional liability coverage. Comparable as an established specialty insurer with healthcare liability expertise across excess and surplus lines.

Others

• RLI Insurance Company: RLI is a specialty P&C insurer with whom TDC Specialty has a formal collaboration for ambulance auto liability. Comparable as a specialty carrier partner for niche healthcare-adjacent lines and as a potential benchmark for E&S specialty underwriting economics.

Direct peers

• Medical Protective: Medical Protective is one of the longest-standing U.S. medical malpractice insurers (founded 1899), now part of Berkshire Hathaway. Directly comparable to TDC Specialty's physician and hospital professional liability offerings, with similar specialty underwriting focus.
• Coverys: Coverys is a leading medical professional liability insurer serving hospitals, physicians, and healthcare systems. Directly competes with TDC Specialty in the healthcare liability space with comparable product mix across physician and facility lines.
• ProAssurance Corporation: ProAssurance is a healthcare liability insurer focused on medical professional liability for physicians, hospitals, and healthcare facilities. Recently acquired by The Doctors Company (April 2026), making it a directly comparable carrier being integrated into TDC Specialty's parent group.
• NORCAL Mutual Insurance Company: NORCAL Group is a physician-owned medical malpractice insurer providing professional liability coverage to physicians and healthcare providers, now part of ProAssurance. Directly comparable to TDC Specialty's E&S physicians and physician group offerings.

Emerging players

• Beazley: Beazley has built a Healthcare and Medmal liability practice serving hospitals, physicians, and life sciences organizations. Comparable as an emerging specialty player in healthcare liability with focus on E&S distribution and complex risk placement.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/tdc-specialty-underwriters-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TDC Specialty Insurance Company