Programs
The risk management and claims prevention program at Doctors & Surgeons National RRG is an integral part of the coverage provided to insureds. The company provides its policyholders with ongoing risk management information such as newsletters that includes bulletins on vital issues and information on symposia that focus on specific topics or specialties. The claims management program reviews current claim trends and focuses on effective loss prevention. The goals of Doctors & Surgeons National RRG are to prevent injuries and claims from arising; to make claims more defensible; and to enhance health care management by assuring that information about loss prevention and loss control is available to those in contact with patients and the public.
Underwriting
Doctors & Surgeons National RRG is staffed by experienced underwriters who have thorough knowledge of medical procedures necessary to evaluate applications for medical liability insurance. Guidelines are followed in the evaluation of applications and an underwriting committee ensures that decisions to accept risk avoid unilateralism and are well informed.
Reinsurance
DSNRRG has procured reinsurance from AmTrust, an A rated company with exceptional financial strength. You can learn about AmTrust here and view their financials here.
Actuarial Principles
Sound actuarial principles at Doctors & Surgeons National RRG acknowledge probability, statistics, contingencies, loss distribution, risk theory and forecasting, among other areas of concern. To ensure that premiums are neither insufficient nor excessive, the company's actuaries review rates on an ongoing basis and take into account the constantly changing nature of the liability environment.
How are policyholders protected?
Doctors & Surgeons National RRG provides policyholder protection by buying reinsurance from A.M. Best's A-rated companies. DSNRRG retains the first $100,000 of each policy and the balance of your limit is reinsured.
