Updated January 1, 2020
TDC Specialty Underwriters (TDCSU) strives to ensure that information contained on our website is current, accurate, and reliable. Factors beyond TDC Specialty Underwriters’ control, however, preclude us from any offer of any warranty or guarantee of any nature concerning the accuracy or reliability of any information contained on our website.
The TDC Specialty Underwriters website is intended to serve as a resource to physicians, healthcare organizations, and others interested in professional liability insurance. Users of TDC Specialty Underwriters’ website are warned that they rely on any information contained on the website at their own risk.
All policy provisions are subject to Underwriting approval and may vary from state to state. Information on this website should not be construed as a coverage interpretation of the policy in whole or in part. Any actual coverage determination is subject to all of the terms and conditions of the actual policy, endorsements, application, and any actual claims.
By accessing TDC Specialty Underwriters’ website, you have directed your system to a computer located in the State of California. Any and all disputes arising from the content of TDC Specialty Underwriters’ website are to be governed exclusively by the laws of the State of California, and jurisdiction shall be subject exclusively to courts located within Napa County, California.
We must sometimes ask our members and applicants for protected health information protected by the Health Insurance Portability and Accountability Act of 1996 and the HITECH Act amendments of 2013 (HIPAA). Our applications, for example, ask for information regarding any claims made against you in the past, and our claims staff may need medical information to provide claims service. Our risk management/patient safety staff may also need medical information to assist you in minimizing risk and increasing patient safety. Some of this information may be covered by HIPAA. To address this, we have added a business associate agreement (BAA) to each of our policies that confirms we will keep the protected information confidential as required by HIPAA. The BAA simply means that persons sharing protected information in the course of authorized business will do so in compliance with the requirements of HIPAA. This agreement does not change your insurance coverage.
What Information Do We Collect?
Depending on your relationship with The Doctors Company, we may collect and process various types of your personal information, most of which we get by asking you to provide it to us. The types of personal information we may collect include the following:
In addition to the above categories, you may provide us with additional pieces of information when you apply for coverage, report a claim, apply for a job, or create an account, update, or add information to your account.
How Do We Collect Information?
The Doctors Company may collect your personal information from a variety of sources including:
Reasons We Collect/Use Information
There are a variety of reasons why The Doctors Company may collect and share your personal information. The reasons are as follows:
The types of information that may be gathered by The Doctors Company in connection with your use of our website, which we would ask you to provide us, include information relevant to your policy and coverage, including information about your training, credentials, work history, and license status. We may also gather information concerning any claims previously instituted against you by patients or actions by licensing bodies.
The information above illustrates, but does not exhaust, the kind of information that may be necessary for The Doctors Company to collect in order to serve our members’ insurance-related needs. Subject to the provisions above, we will not intentionally disclose any information of a confidential or sensitive nature unless authorized or we are required to disclose the information pursuant to a court order or request from the courts, law enforcement, or regulatory officials.
The Doctors Company does not offer financial incentives for the use of personal information.
With Whom We Share Information
The Doctors Company may share or otherwise disclose your personal information we collect to the following third-party business partners:
The Doctors Company does not knowingly collect personal information of minors without consent from a parent or guardian. If you believe The Doctors Company possesses personal information of a minor without proper consent and you are the parent or guardian, please contact us using the information listed below.
You may have certain rights and choices regarding our processing of your personal information if you are a California resident. California law may entitle you to the following rights:
Please see below for information on how to exercise your rights. Please note that a large portion of the personal information collected and processed by The Doctors Company may be out of scope for certain individual rights as it falls under exemptions for information collected under applicable federal laws, including but not limited to the Health Insurance Portability and Accountability Act (HIPAA) and the Gramm-Leach-Bliley Act (GLBA).
Exercising Your Rights
To exercise your rights, including submitting a verifiable request, please complete the online form or contact us using the information listed below. Because we take the protection of your personal information seriously, in order to process this request, your identity must be verified. We reserve the right to verify your identity in connection with any requests regarding personal information to help ensure that we provide the information we maintain to the individuals to whom it pertains and allow only those individuals or their authorized representatives to exercise rights with respect to that information.
If you are an authorized agent or parent/guardian making a request on behalf of an individual or your minor child, we may require and request additional information to verify that you are authorized to make that request.
We reserve the right to deny your request if we cannot verify your identity. Where we deny your request in whole or in part, we will inform you of the denial, provide an explanation of our actions, and the reason(s) for the denial.
We will not restrict or deny you access to our services because of choices and requests you make in connection with your personal information.
Your browser may offer “cookies,” temporary files used to facilitate your website access. If you allow their use, cookies store small amounts of data on your computer that allow you to better experience our websites’ features. Cookie information is not shared with any other entity. You may configure your browser to reject cookies and still access our websites.
Third-party sites hyperlinked from The Doctors Company may contain cookies that are collected by the third-party site owner. These cookies are beyond our control, and we do not have access to this information.
Additionally, when you use our website, some browsers have Do Not Track (DNT) features that allow you to tell a website not to track you. The Doctors Company does honor the AdChoice DNT signals. Please be aware that limiting the ability of website technologies may limit your experience and in some cases the sites may not work.
Hyperlinks to Third-Party Sites
The Doctors Company website content includes a number of hyperlinks to the sites of third parties. These hyperlinks are provided as a service to our users when the site might contain some pertinent information for our users. The privacy policies of these third-party sites, such as the types of information collected and the use of the collected information, is unknown to and beyond the control of The Doctors Company.
Security and Protection of Personal Information
We assure you that we strive to take commercially reasonable steps to safeguard all such information of a confidential nature. We have put in place reasonable and appropriate technical and information safety safeguards designed to protect against unauthorized or unlawful processing of personal information and against accidental loss, destruction, or damage to personal information. While it is our practice to take reasonable steps to secure personal information, the confidentiality of information transmitted over the Internet cannot be guaranteed. We urge you to exercise caution when transmitting personal information over the Internet.
|PO Box 2900
Napa, CA 94558
TDC Specialty Underwriters is a subsidiary of The Doctors Company, the nation's largest physician-owned medical malpractice insurer. Read more about The Doctors Company and its mission to relentlessly defend, protect, and reward the practice of good medicine.