Doctors & Surgeons National Risk Retention Group, Inc., Kentucky: Overview, Contacts, Services, Financials, Coverage, Claims

If you are a physician, surgeon, or allied healthcare provider in Kentucky one of the options you may consider is Doctors & Surgeons National Risk Retention Group, Inc. (DSNRRG), a physician member-owned professional liability insurance carrier that operates nationwide.

An image illustration of Doctors & Surgeons National Risk Retention Group, Inc.
Doctors & Surgeons National Risk Retention Group, Inc. offers health liability coverage

DSNRRG Company Details

Doctors & Surgeons National Risk Retention Group, Inc. was launched in 2007 by physicians and insurance professionals who have extensive experience with risk retention group (RRG) operation

RRGs are liability insurance companies that are owned by their members who are engaged in similar or related businesses.

The company is regulated by the state of Vermont, where it is domiciled, but it can operate in any state where it is registered

DSNRRG is also rated A (Exceptional) by Demotech, Inc., an independent financial analysis firm that evaluates the financial stability of insurers

DSNRRG Contacts

Here is a table that summarizes some basic information about DSNRRG:

Category Information
Phone Number (800) 741-3742
Address 1000 S Pine Island Rd #600 Plantation FL 33324
Customer Service Contact
Policy Details Occurrence or claims-made policies with limits ranging from $100,000/$300,000 to $1 million/$3 million
Email Address
Fax Number (954) 370-8999
Operating Hours Monday-Friday 9:00 AM – 5:00 PM EST

DSNRRG Services & Products

DSNRRG provides medical professional liability coverage to physicians, surgeons, and allied healthcare providers in various specialties and practice settings.

The company offers both occurrence and claims-made policies with limits ranging from $100,000/$300,000 to $1 million/$3 million.

Occurrence policies cover claims arising from incidents occurring during the policy period, regardless of when reported.

Claims-made policies cover claims reported within the policy period or an extended reporting period, if incidents occurred after the policy’s retroactive date

Doctors & Surgeons National Risk Retention Group, Inc. also offers special packages or bundled services to its policyholders, such as:

DSNRRG does not offer international coverage for its policyholders.

However, the company does offer temporary or short-term policies for physicians who need coverage for locum tenens assignments or other temporary practice situations.

DSNRRG Financial Details

DSNRRG offers competitive and stable premiums to its policyholders based on its unique approach to underwriting.

The company avoids high-risk territories that require excessive limits of liability and focuses on low-risk states where it can offer lower rates.

The company also uses a sophisticated rating system that takes into account various factors such as specialty, location, practice size, loss history, risk management practices, and claims frequency and severity.

DSNRRG offers various payment options to its policyholders, such as:

  • Monthly installments with no interest or service fees.
  • Annual payments with a 5% discount.
  • Quarterly or semi-annual payments with a 3% discount.

The company also offers discounts and promotional offers to its policyholders, such as:

  • A 10% discount for new policyholders who join DSNRRG within the first year of their practice.
  • A 10% discount for policyholders who complete an approved risk management course within the policy year.
  • A 5% discount for policyholders who are board-certified in their specialty.
  • A 5% discount for policyholders who belong to a preferred medical society or association.
  • A 5% discount for policyholders who have no claims or lawsuits in the past five years.

DSNRRG has a high claim payout ratio, which means that it pays out a large proportion of its premium income in claims and expenses.

According to the latest financial report, DSNRRG had a claim payout ratio of 87.6% in 2022, which is above the industry average of 76.4%.

This indicates that DSNRRG is committed to providing fair and prompt compensation to its policyholders and their patients in the event of a claim.

DSNRRG Coverage Details

DSNRRG provides comprehensive coverage to its policyholders for any claims that arise from their professional services as physicians, surgeons, or allied healthcare providers.

The coverage includes:

DSNRRG also provides coverage for some additional exposures that may arise from the policyholder’s professional services, such as:

  • Vicarious Liability: Covers claims for actions of staff, partners, or contractors within their duties.
  • Peer Review Liability: Protects from damages related to participation in peer review.
  • Good Samaritan Liability: Covers care provided without compensation outside of regular practice.

DSNRRG has some policy exclusions that limit its coverage for certain situations or circumstances. Some of the common exclusions are:


DSNRRG has some coverage limits that restrict its liability for certain amounts or occurrences. Some of the common limits are:

The per occurrence limit, which is the maximum amount that DSNRRG will pay for all claims arising from one incident or occurrence during the policy period

The aggregate limit, which is the maximum amount that DSNRRG will pay for all claims arising during the policy period regardless of the number of incidents or occurrences

The defense cost limit, which is the maximum amount that DSNRRG will pay for legal defense costs per claim or per policy period


DSNRRG has a simple and efficient claim process that aims to resolve claims quickly and fairly. The claim process involves:

  • Reporting a Claim: Report claims promptly at (800) 741-3742 or Submit all relevant details and documents.
  • Claim Representative: A dedicated rep from DSNRRG manages the claim, determines the action plan (investigation, negotiation, settlement, or litigation).
  • Legal Counsel: DSNRRG provides a qualified attorney for legal proceedings, collaborating with you and the claim representative on defense strategies.
  • Claim Resolution: DSNRRG aims for a quick, fair resolution through settlements or trials.

DSNRRG will pay for any damages or expenses that are covered by the policy up to the policy limits.

DSNRRG will also keep the policyholder informed of the status and outcome of the claim.


  • Erie Insurance Company of New York(New York)Overview; Contacts, Services, Claims, Customer, Reviews, Affiliations and Many More
  • Continental Indemnity Company (New Mexico); Contacts, Services, Financials, Claims, Reviews, Benefits and FAQs
  • Lasso Healthcare Insurance Company,Texas (TX): Overview, Contact Information, Coverage, Discounts, Claims, Reviews & FAQS
  • Delta Dental of Tennessee(TN): Phone Number, Address, Claims Number, Claims
Spread the love