Doctors Direct Insurance (DDI) makes it a point to protect your practice from malpractice claims with liability coverage unparalleled by any other provider. Our in-depth industry knowledge plays an essential part in our ability to manage your risks.DDI has assembled a stellar team to attend to any liability insurance need that you may have. Our main focus and number-one priority is to make sure that we help you avoid claims whenever possible. However, if a claim does occur, we position ourselves to be able to respond quickly and strongly.
Do you offer additional discounts for physicians with favorable claims histories?
Yes. Claims Free Discounts are provided based on the number of years you have not been involved in a claim or lawsuit. This discount may be combined with other discounts.
How do I get a certificate of insurance?
How do I make changes to my coverage?
You can easily make changes to your policy by contacting our Underwriting Team directly. To reach our Underwriters, e-mail firstname.lastname@example.org
, or call (630) 574-9800
Can I finance my insurance premium?
Yes. DDI offers direct premium financing for its insureds. 0% financing is available for all financed premiums. For more information, contact our Billing Team at email@example.com
Yes. Doctors Direct Insurance Company has reinsurance coverage in place that adds even greater financial stability to the company.
Are your reinsurers rated?
Yes. Doctors Direct Insurance Company has a reinsurance treaty with a panel of international insurers, including Lloyd’s of London and Bermuda-based companies, all of which have an A.M. Best Financial Stability rating of A (Excellent).
What specialties and territories does DDI insure?
DDI insures ALL specialties in our coverage areas.
Could your policyholders be assessed?
No! While some companies may entice you with an unrealistically low rate and later “assess” you for more money, we do not and will not. The premium we charge for this year’s policy is the only premium that will ever be charged for that policy. Policyholders do not have any personal liability in terms of a future assessment.
Doctors Direct is a stock insurance company with a non-assessable insurance policy. Policyholders will never be required to contribute capital to the company. Doctors Direct is funded with the support of its private investors, many of whom are also policyholders of the Company. Our strong balance sheet and the commitment from our investors provides DDI with the ability to raise additional capital to support responsible growth. Doctors Direct enjoys a strong financial position.
Do I have access to the management team?
Yes! We are accessible online 24/7/365 and our management team is reachable via cell phone morning, noon and night for any issue. Our customers and their satisfaction is our #1 priority, and it is our philosophy to be totally accessible to all of our clients regardless of the day or the hour.
My insurance agent/broker will give me a quote from Doctors Direct anyway, right?
DDI is a Direct Malpractice Liability Carrier. We eliminate the need of an agent or broker and work directly with physicians and their staff to provide the most efficient and effective service.
OK, let’s save money now. How do I cancel my policy with my current carrier?
We will handle everything on your behalf the moment you have secured coverage with DDI.
I want to be insured with Doctors Direct, but my renewal isn’t for another 6 months. Should I switch now or wait until the renewal date?
Switch now! You can start saving premium today. So you are aware, you control your policy with any carrier, therefore you can cancel it at any time and when you switch to DDI we make sure that there is no gap in coverage.
Getting a quote is a long process, right?
Our short application takes less than 5 minutes to complete and we will provide you with a binding quote within 48 hours of receipt of a completed application.
I want to save money on my premium. How do I get a quote?
DDI insurance is available to all physicians on a DIRECT basis, meaning we do not work with insurance brokers. We pass the 10% to 17.5% commission saving on to you in the form of a premium reduction. To get a quote, call us at (630) 574-9800 or apply online where you will have the option of completing the brief application online. If you do not apply online, you can send your application to us by:
E-mail to: firstname.lastname@example.org
Fax to: (866) 422-2300