The Ohio State Medical Association (OSMA) exclusively endorses our medical liability insurance program for OSMA members.

Discover the advantages of our OSMA program.

Today, more than ever, you need a vigilant ally that relentlessly defends, protects, and rewards doctors. To get a premium indication, simply complete our online form, call us at (800) 766-6762, or e-mail us at info@osma.org.

OSMA members benefit from programs, discounts, and credits:

• Premium discounts—members will receive a 5 percent premium discount.
• Claims-free credit—members who remain claims free may receive an additional credit of up to 2.5 percent.*
• Patient safety credit—members will qualify for a 3 percent patient safety credit for implementing the OSMA Electronic Health Records (EHR) Standards of Excellence Program, participating in the OSMA Patient Satisfaction Program, or attending an approved patient safety seminar sponsored by The Doctors Company.

Our extensive benefits for OSMA members also include:

• Tribute® Plan contributions—OSMA members are included in The Doctors Company's unique, industry-leading career award program. With newly-enhanced Tribute Plan funding more than doubling from 2010 through 2012, doctors who join the company in 2010 can expect to accumulate approximately one year's premium in their Tribute accounts in just six years.
• Dividend program—as in 2009, eligible OSMA members will receive a 7.5 percent dividend credit toward their 2010 policy renewal.
• Broad specialty parameters—we offer competitive rates and the broadest specialty categories.
• Policyholder Advisory Board—our collaborative relationship ensures that we work closely with OSMA to identify and resolve critical issues for physicians in Ohio.
• Consent to settle—no claim is settled without the consent of the insured physician as long as he or she is actively insured by The Doctors Company.
• Free tail coverage—for physicians on full retirement who have been insured with the Doctors Company for five continuous years or those who die or suffer permanent and total disability.
• Industry-leading patient safety programs—we tailor our programs to OSMA members’ needs and have the only fully online Patient Safety/Risk Management exam that also offers free CME.
• CyberGuard^SM—members benefit from the industry's only cyber liability protection to protect them against the growing threat of privacy and data security exposure.
• Founded by doctors for doctors—physicians make up the majority of our board.

The industry’s most relentless and aggressive claims defense.

For more than 30 years, The Doctors Company has made an unparalleled commitment to providing the most aggressive claims defense in the industry. In fact, our defense is so effective that over 80 percent of claims filed against our physicians are closed with no payment to the plaintiff. Of the few claims that go to trial, over 87 percent result in victory for our physicians. Other insurers might claim to have similar success rates, but to make a fair comparison, you need to know that we define a claim as a demand for payment—where other companies artificially inflate their success rates by counting incident reports as claims.

Superior financial strength that you can rely on for unrivaled protection.

With The Doctors Company, you gain the assurance of having a company with $3 billion in assets on your side. Our conservative fiscal approach and conscientious investment strategies have earned us financial strength ratings of A (Strong) by Fitch Ratings and A- (Excellent) by A.M. Best Company. So you can count on us to have the power and financial foundation to protect you and your practice at anytime, anywhere.

Our Patient Safety Department has distinguished itself as a national leader in improving the environments in which our doctors practice by taking a comprehensive, systematic view of risk. Our innovative patient safety tools and services can help you reduce risk and keep your patients safe.

A one-of-a-kind financial reward for doing what’s right.

We are the only national medical professional liability insurer that gives physicians a monetary reward for providing outstanding patient care. Our groundbreaking Tribute Plan honors physicians with a significant financial career award for their dedication to The Doctors Company and their commitment to advancing and protecting the practice of good medicine.

Our multiyear dividend program also ensures that our physicians share in the company’s financial strength.