The Doctors Company, an Interinsurance Exchange, has filed for a 3% overall rate increase on its Physicians, Surgeons, and Ancillary Healthcare Providers Professional Liability program in Hawaii, effective January 1, 2026. The change impacts 419 policyholders and $2.3 million in written premium.

The filing applies a uniform adjustment to manual rates, though the actuarial indication was significantly higher at 42.4%. The decision reflects a strategic choice to mitigate the full indicated need while maintaining market stability.

Program features include Prior Acts Coverage, unlimited Extended Reporting Period Coverage upon termination, and optional Punitive Damages Coverage for a 5% surcharge. A Sizable Risk Rating rule also applies to accounts generating over $100,000 in annual premium at $1M/$3M limits.

The filing, submitted under prior approval, relies on Hawaii experience from 2011–2024, with the last rate revision effective March 2023.