Broker Insights & Updates: Your Second Quarter 2026 Recap

With the close of the second quarter, we’re reflecting on a busy and rewarding few months across TDC Specialty. This quarter also marked an exciting milestone as The Doctors Company completed its acquisition of ProAssurance Corporation, a move that significantly enhances our strength and scale and our ability to serve you and your clients. With this acquisition, we now have the privilege to share the TDC Group mission—to advance, protect, and reward outstanding healthcare—with over 200,000 healthcare professionals and institutions nationwide, offering world-class coverage, protection, and advocacy. Together, we are better positioned than ever to deliver the protection and peace of mind that our insureds deserve. If you have any questions, please refer to our FAQs or reach out to our Business Development team.

As we begin the second half of the year, we look forward to continuing to strengthen relationships with our brokers and industry partners while creating new opportunities to connect, collaborate, and grow together. In the meantime, here’s a look back at highlights from the second quarter and a few insights from the team.

Eligible Risk Classes: Appetite for Medical Facilities

Medical facilities represent a diverse segment of the healthcare market, spanning many classes of business with unique risk profiles. TDC Specialty is well-positioned to support this market with underwriting expertise, stability, and dependability. Our appetite is broad, and we’ll consider a variety of medical facility risks, including:

• Adult day care centers
• Ambulance/emergency/nonemergency patient transport (air and ground)
• Ambulatory surgery centers
• Behavioral health centers
• Clinical trials
• Community health centers
• Dialysis centers
• Home healthcare
• Hospice
• Imaging/x-ray facilities
• Laboratories
• Occupational medicine clinics
• Pain management clinics
• Pharmacies
• Rehabilitation facilities (drug/alcohol and physical)
• Residential care facilities (adults, MRDD)
• Select social services risks (various forms of counseling, group homes [no medically fragile children], and other risks deemed acceptable)
• Staffing (non-physician medical)
• Telemedicine
• Urgent care facilities and freestanding emergency rooms

If you are interested in learning more, visit our website or contact us. Our team is ready to assist you, and we look forward to crafting solutions for your medical facilities clients.

Management Liability: Specialized Solutions for Healthcare Organizations

Healthcare organizations face a multitude of risks, including leadership decisions, changing regulations, staffing challenges, and more. Our Management Liability team exclusively focuses on healthcare organizations, providing a stable and trusted market for non-profit hospitals and health systems, social service organizations, physician groups, medical facilities, and long-term care facilities. Our appetite extends from small, privately owned entities to the largest non-profit health systems in the nation. Backed by experienced underwriters and claims managers and armed with deep industry knowledge and insightful analytical tools, we deliver comprehensive coverage solutions tailored to the unique challenges facing healthcare organizations today. We work closely with broker partners to provide solutions for their clients through responsive service, thoughtful underwriting, and the expertise needed to help protect healthcare organizations and their leadership teams.

If you have any questions about our Management Liability coverage for healthcare organizations, please visit our website, download our product sheet, or contact a member of our underwriting team:

Broker Support: Risk Management Solutions

Madison Edwards, MSN, BSN, CPHRM 
Executive Vice President, Clinical Risk Services, OmniSure

When Your Client Calls, You Have an Answer

When something goes wrong in a healthcare practice, or when a clinician isn't sure whether something is about to—the instinct is to call someone. The question is who picks up.

When brokers place business with TDC Specialty Underwriters, their clients don't get a hold line or a generic resource portal. They get OmniSure. That means a real conversation with a skilled clinical risk manager, someone who has sat in those facilities, reviewed those charts, and understands what is actually at stake when a provider calls with a hard question.

That distinction matters more than it might seem.

Risk Management as a Relationship Tool

For brokers, the value of risk management isn't just what it does for the insured. It's what it does for you. When a client calls you in a moment of uncertainty and you can connect them to an expert the same day, that call changes the relationship. You stop being the person who places the policy and start being the person who shows up when it counts.

Access to OmniSure's Helpline is built into the relationship when business is placed with TDC Specialty Underwriters. It isn't a fee-for-service add-on or a benefit buried in the fine print. It is a working partnership. Brokers who use it consistently tell us it helps them retain clients and win renewals in ways that pricing alone never could. As a broker placing business with TDC Specialty Underwriters, that access extends to you directly. Call us on a new risk you want to write, or on behalf of a policyholder who needs support. Either way, we pick up.

What That Looks Like in Practice

The calls we receive are as varied as the facilities we serve, but a few examples illustrate what's possible:

Incident and event management. When a shipping company destroyed irreplaceable biospecimens at a research facility, the path forward wasn't obvious. We helped the team think through the operational and communication response before the situation became a claim.

Disclosure coaching. When a long-term care facility experienced an unexpected patient outcome, the clinical team knew a family conversation was coming and didn't know where to start. We walked them through it: how to be transparent, how to be compassionate, and how to have the kind of conversation that preserves trust. Done well, disclosure prevents litigation. We help facilities do it well.

Documentation review after an event. In the hours and days following an adverse event, the medical record becomes evidence. We provide at-the-elbow support for clinicians and administrators navigating that record, because how it reads in the beginning shapes how the case resolves in the end.

Proactive records audits. We also work on the front end, reviewing records for sufficiency, quality, and risk exposure. Think of it as turning over stones before a plaintiff's attorney does, identifying gaps and vulnerabilities while there's still time to address them.

If your clients are in healthcare, they will face hard moments. When they do, they should already know who to call.

That's the value of placing business with TDC Specialty Underwriters. That's OmniSure.

Industry Dialogue in Action: A Highlight from the 2026 Crittenden Medical Liability Conference

This past spring, our team attended the 2026 Crittenden Medical Liability Conference, a leading forum for healthcare, insurance, legal, and risk management professionals focused on medical professional liability. Julia Soda, VP and Segment Leader of Medical Facilities Underwriting, had the opportunity to participate in the panel discussion, Virtual Care, Real Risk: The Evolving Underwriter’s View of Telemedicine, which examined how evolving telemedicine practices are reshaping underwriting considerations, regulatory expectations, and emerging exposure areas. A few key themes were evident from this conversation:

Medical Considerations

• The Consolidated Appropriations Act 2026 has extended COVID-era telehealth flexibilities, including no geographic restrictions (patients can be seen at home), expanded eligible providers, and continued audio-only telehealth.
• Cross-state care delivery requires underwriting to account for patient location rather than solely provider location.
• Standards of care in virtual settings are becoming more defined, with increased focus on when in-person evaluation is necessary and whether virtual limitations are appropriately addressed (including when in-person care should establish the patient first).

Technological Considerations

• Increased reliance on third-party technologies may introduce underappreciated vulnerabilities (“Trojan horse” risk).
• Distinctions between predictive and generative AI are increasingly relevant due to differing risk profiles.
• Concerns are growing around accidental intellectual property infringement tied to AI use.
• Integration of provider systems with external software platforms may expand breach exposure.

Regulatory Licensure Challenges

• Significant state-by-state variability in telemedicine rules and enforcement continues to drive complexity.
• Scope-of-practice and prescriptive authority constraints remain central, particularly in cross-border care and controlled substances.
• Carriers are increasingly focused on notification and oversight as telemedicine expands geographically, with some refining definitions of professional services and territory limitations.
• Remote prescribing remains a key focus, particularly for controlled substances and other high-risk medications.

Emerging Exposures

• Emerging care models including app-based and direct-to-consumer healthcare are blurring traditional care boundaries.
• Key exposure areas include non-invasive weight loss treatments (including informed consent, off-label, and compounded products), peptide therapy, behavioral health and substance use treatment (including suicide risk and care setting decisions), and the growing role of private equity in digital health platforms.

Telemedicine has become an embedded component of healthcare delivery, with risks evolving across clinical practice, regulatory frameworks, and technology infrastructure. As a result, underwriting focus continues to shift toward cross-jurisdictional care complexity, prescribing oversight, and emerging digital care models that challenge traditional definitions of medical treatment.

Strengthening Litigation Strategy Through Collaboration

The Harmonie Group is an invitation-only international network of carefully vetted law firms that provide defense services to corporations, TPAs, insurance companies, risk retention groups, and captives. Its annual conference brings together insurance industry leaders and defense counsel and is designed to foster collaboration, discuss litigation trends, and explore legal landscape challenges. This year, Mari Spina, SVP and Claims Leader, was invited to attend and participate in a panel discussion, with key highlights noted below:

• Defense counsel as a strategic partner: We view defense attorneys as critical extensions of our claims team and value counsel who help shape the path toward the best possible outcome.
• A trial-ready mindset: We emphasized the importance of working with attorneys who are confident and willing to take cases to trial when appropriate. In order to change the legal landscape, we must be willing to demonstrate to plaintiff attorneys we are not afraid to try cases.
• Disciplined litigation management: Our litigation roadmap approach establishes strategy, key milestones, and desired outcomes early in the claim lifecycle, helping to keep all parties aligned and avoid reactive decision-making.

2026 Premier Broker Appreciation Event in Key Largo, FL

We had the best time hosting our 2026 Premier Broker Appreciation Event in Key Largo, FL this past May. Set against the backdrop of the incredible Ocean Reef Club, we spent a few days bringing together our broker partners for a mix of celebration, connection, and shared experiences.

Highlights included a one-of-a-kind tuna experience featuring a world-renowned chef and an unforgettable powerboat poker run through the Florida Keys. More than anything, the event created space to strengthen relationships and deepen the partnerships that are central to our success.

Thank you to everyone who joined us and helped make this year’s gathering such a memorable one. We truly appreciate your continued partnership and look forward to building on our momentum in the year ahead.

Women Driving Business Golf Event

In May, we were proud to host our first Women Driving Business Golf Event at Cherry Valley Country Club in Skillman, NJ, with the support of HerClub, a female-owned organization dedicated to empowering women to use golf as a tool for career growth and business development.

The purpose of this event was to demystify golf for business by breaking down common misconceptions about the game, addressing the unique nuances women often face on the course, and providing practical strategies to help participants feel more confident using golf to build relationships and create new business opportunities. Attendees enjoyed instruction led by golf teaching professionals, with guidance in full swing, chipping, and putting. Most importantly, this event created a welcoming and supportive environment for women to learn, connect, and build confidence on the course.

Our participants have shared lots of positive feedback, expressing how much fun they had and a strong interest in continuing to learn and play golf. We are thrilled that this first women’s golf event was such a success and are already looking forward to bringing it back again next year!

Chicago Broker Appreciation Event at Wrigley Rooftops

Against the backdrop of a beautiful June evening and an exciting game, we welcomed our broker partners to Wrigley Rooftops for our Chicago Broker Appreciation Event.

It was a great opportunity to step away from the day-to-day, spend time together, and enjoy one of Chicago’s most iconic settings. Between the Cubs walk-off, great conversations, and plenty of laughs, the event was a wonderful way to celebrate the relationships that are so important to our continued success.

Thank you to everyone who joined us and helped make the night so much fun. We truly appreciate your partnership and look forward to more opportunities to connect in the future.

Reflection on the 2026 WTW Healthcare Risk Conference

As a Keynote sponsor of the 2026 WTW Healthcare Risk Conference, we were proud to join industry colleagues in a highly engaging and well-organized event focused on the most pressing challenges in healthcare today. Sessions delivered practical, timely insights, with a standout emphasis on artificial intelligence, covering its current applications in healthcare delivery, associated risks, and its evolving role in shaping the future of the industry.

Equally valuable was the opportunity to reconnect in person, strengthening relationships and fostering meaningful collaboration across the healthcare risk community. The conference ran smoothly, with a thoughtful agenda, strong speaker lineup, and excellent networking opportunities that made it easy for attendees to engage deeply and make the most of their time. We are already looking for to next year!

Let’s Meet! Upcoming Travel and Events

As we move into the third quarter, we’re looking forward to connecting with our broker partners in the markets we serve. Over the coming months, members of our team will be visiting Denver; Washington, D.C.; Kansas City; and Birmingham, focusing on in-person meetings and strengthening relationships Whether it’s catching up on current business, sharing market updates, or exploring new opportunities, we always value the chance to connect face-to-face.

If we’ll be in your area, please feel free to reach out to our Business Development team. We welcome the opportunity to meet and coordinate a time that works best for you. We look forward to staying in touch throughout the quarter.

2026 Aon National Healthcare Client Event—Nashville, TN | July 15 to 17 
We’re proud to be a Platinum Sponsor of the 2026 Aon National Healthcare Client Event. Steve Lubinsky will participate in the panel, “State of the Market: Carrier and Underwriting Perspectives,” where they’ll discuss how changes in healthcare delivery are shaping healthcare risk assessment and underwriting.

Broker Education Event—New York, NY | July 28 to 30 
A dynamic, content-rich two-day event for invited brokers. Spots are limited!

ASHRM26—Phoenix, AZ | October 4 to 6 
Starting off Q3 at ASHRM—reach out if you’d like to connect while we’re there!

WSIA—San Diego, CA | October 11 to 14 
We’ll be at WSIA’s Annual Conference, and we hope we’ll see you there!