Let's Make 2025 Our Best Year Yet—Together

It’s hard to believe that the first quarter is already behind us! After a short recovery from 1/1, we jumped right in to prepare for what will be a busy and exciting year ahead. One of our top priorities in 2025 is deepening our connections with brokers—whether that’s on the road, at industry events, or over a cup of coffee. We’re planning visits to several major markets, and we’re genuinely looking forward to more face-to-face time and great conversations.  

Let’s stay connected: As always, our Business Development team is just a call or email away when you need us. In the meantime, here's a business update from the first quarter.   

Safeguarding Practitioners Amid Changing Legal Landscapes 
Following the Dobbs decision in 2022, women's reproductive healthcare practitioners are operating within unprecedented legal and medical environments. TDC Specialty recognizes the uncertainty posed by various state laws impacting this specialized area of medicine. We are pleased to introduce Reproductive Health Defense Protection—coverage in support of healthcare practitioners facing these complex legal landscapes. 

This coverage allows reproductive health practitioners to confidently practice within what they believe to be the standard of care by providing a legal defense against civil or criminal allegations.

An endorsement is available for medical practitioners covered under our primary Hospital and Medical Facilities policies. A monoline policy is available for TDC Specialty E&S Physicians and for members of The Doctors Company through a licensed E&S broker.  

Eligible risks include:   

  • Obstetrician-gynecologist (OB-GYN)  
  • Maternal-fetal medicine specialist  
  • Certified nurse midwife (CNM), certified midwife (CM), nurse practitioner (NP), physician assistant (PA), family physician  
  • Genetic counselor  
  • Emergency room physician   

Coverage details:  

  • Available defense limits range from $100,000 to $500,000 per medical practitioner   
  • Dedicated defense limit outside of the primary policy limit (for endorsement) 
  • Separate or combined defense limits are available for accounts where multiple practitioners are scheduled   
  • No deductible or retention applies   

Additional information: 

  • Defense-only coverage for healthcare practitioners who allegedly violate state criminal or civil law when rendering reproductive care 
  • Defense for reproductive healthcare decisions to protect the insured against civil allegations, and against criminal allegations until the insured pleads guilty or nolo contendere or is adjudged guilty 
  • Currently available in 26 states with reproductive healthcare restrictions, including those with criminal or civil consequences 

Introducing New EPL Risk Management Services 
We recently announced that TDC Specialty now offers primary EPL insureds access to employment practices liability risk management services through TDC Specialty HR Solutions. We are very excited to be able to provide this resource to our EPL insureds. These services include comprehensive informational, educational, and compliance resources accessed through a self-service portal or by direct telephonic access to expert resources. 

Some of the many resources include: 

  • Unlimited HR advice: Real-time advice from certified HR experts supervised by employment attorneys. Provides the perfect sounding board to address HR issues in all 50 states. 
  • Employee complaint hotline: Promptly address and mitigate the risk of unreported employee concerns by implementing a free employee complaint hotline. 
  • Training for managers and employees: Implement workforce training with interactive online courses on sexual harassment, discrimination, bullying, hiring, termination, and more. 
  • Multi-state compliance charts: Compare key HR compliance obligations across the United States in one resource updated regularly by employment attorneys. 

Insureds are eligible for this new offering upon binding of their primary EPL coverage on our Healthcare Organizations Management Liability policy form after February 1, 2025. If you have any questions about this program, please reach out to Kristen Mielert, SVP and Management Liability Segment lead.  

Medical Facilities: Our Top Classes 
Although uncertainty remains in the market, TDC Specialty can offer medical facilities the stability they need through our solid professional liability product offering and our experienced underwriting team. Our appetite is broad, and we’ll consider a variety of medical facility risks. Some of the classes where we have been particularly successful include:    

  • Laboratories 
  • Dialysis or imaging centers 
  • Nurse staffing 
  • Emergency and non-emergency transport 
  • Occupational medicine 
  • Home health and hospice providers 
  • Pharmacies 
  • Community health and urgent care clinics 
  • Allied health medical schools 
  • Adult daycare 

Our team is ready to assist you, and we look forward to crafting solutions for your medical facilities clients. If you are interested in learning more, visit our Medical Facilities page, or contact Paula Caballero, VP and Segment lead, or a member of our Business Development team. We look forward to working with you and the clients we both serve.   

Celebrating Crystal Brown: A Trailblazer in Insurance
We are proud to share that Crystal Brown, VP, Hospital Underwriting, has been recognized as one of the Trailblazing Women in Insurance for 2025 by Reuters Events. This prestigious recognition celebrates Crystal's exceptional leadership and her significant contributions to the industry. 

Each year, the Trailblazing Women in Insurance list honors influential women who are driving change. This year’s theme, "Accelerate Action," emphasizes turning intentions into outcomes. Crystal’s ability to inspire action and create meaningful outcomes has earned her a spot among the 20 women featured on the list. 

At TDC Specialty, Crystal has played a key role in fostering innovation, collaboration, and growth. Congratulations to Crystal on this well-deserved recognition!    

BIPA Coverage Update  
Both BIPA and GIPA Acts govern information privacy, and similarly, both Acts do not require proof of actual injury or damages for a violation. We have updated our long-standing BIPA exclusion to include both BIPA and GIPA claims so that our policies will exclude both. Industry experts already associate BIPA and GIPA together, and we believe the updates to the current endorsement provide a benefit in this clarification. With no requirement to prove actual injury or damages, the pricing to cover claims from these Acts would be cost prohibitive. An affirmative exclusion for claims from either Act is the most practical means of addressing this.  

Let’s Meet! Upcoming Travel and Events 
We’re excited to be a Platinum Sponsor of this year’s PLUS Healthcare & Medical PL Symposium in Phoenix, AZ, from April 30 to May 2! Join our underwriters from Hospitals, Medical Facilities, Long Term Care, Management Liability, and Managed Care segments, along with our Business Development team, in our meeting room to collaborate and discuss your business needs. We also hope you join us at our sponsor-led session on May 1 from 1:45 to 2:30 PM, “Beyond Malpractice: When Healthcare Providers Face Both Civil and Criminal Exposure,” where our panelists will discuss the growing overlap between civil and criminal liabilities faced by healthcare professionals.  

Our Life Sciences team will be at RISKWORLD 2025 in Chicago from May 4 to 7! This event is a great opportunity to explore the latest industry insights, but most importantly, we’re excited to connect and discuss how we can support your business. We’ll be sharing exciting updates from TDC Specialty and look forward to meaningful conversations with you. 

Our team wraps up May in Boston, where we’re looking forward to connecting with several brokers in the area from May 20 to 22. Want to set something up while we’re in your area? Reach out to our Business Development team—we’d love to see you.