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Featured Episode

Sep 22, 2026
49 min
Claims Frequency and Severity in 2026: An Interview with Robert E. White, Jr.
We are typically limited to survey data, national insurance company claims data, and data from the National Practitioner Data Bank. We discuss some of the limitations of these, and our increasing appetite for more specialty-specific, geography-specific granular data, and the potential for building better databases that pull comprehensively from these resources and local public records. Doctors deserve clarity and specificity of information in order to make informed decisions about where, and whether, and in what manner, to practice.
The best data we currently have comes from large insurer claims databases. In today's episode, host Dr. Gita Pensa has the privilege of talking to Robert E. White, Jr., President of The Doctors Company and TDC Group, and the author of a recent article detailing the company's most recent internal data on claims frequency and severity. The Doctors Company is now the largest physician-owned medical malpractice liability (MPL) insurer in the United States, and operates in all fifty states.
The article, "Fewer Physicians Report Being Sued but Medical Malpractice Claim Severity Keeps Rising," details trends of lower frequency of claims but higher severity (increased financial losses per claim), and what that may mean for future costs, impacts on physician practice, and patients' access to healthcare.
Robert E. White, Jr., is President of TDC Group. In his current role, Mr. White oversees the operations of the four business units that make up TDC Group: The Doctors Company, TDC Specialty Underwriters, Healthcare Risk Advisors, and ProAssurance. He assists in the growth of TDC Group and expands its mission-based platform for service to healthcare in whatever practice model members and insureds choose.
Mr. White has more than 50 years of experience in the insurance industry. He managed the claims and loss prevention departments of several commercial and doctor-owned insurance companies before coming to The Doctors Company in an administrative capacity more than 25 years ago. Additionally, he served as President of the insurance operations of FPIC Insurance Group from 2002 to 2011.
Mr. White is Chairman of the Board of the Florida Justice Reform Institute, a Member of the Florida Chamber of Commerce Board of Directors, and a Board Member of the Florida Insurance Council, as well as a Board Member and former Chair of the Board of Governors of the Florida Medical Malpractice Joint Underwriting Association. Mr. White is also a former Board Member of the Medical Professional Liability Association, and currently serves on three of its committees. Mr. White received the 2026 Award of Excellence in Honor of Peter Sweetland; the award recognizes individuals who have demonstrated exceptional service, leadership, and long-standing commitment to the MPL community.
Related Resources for further learning and context:
Communication after Catastrophe (S3, E1): podcast with Dr. Anthony Orsini
'Nuclear Verdicts' (S2, E5): podcast with Dusty Otwell, JD
‘Medical errors are the third leading cause of death’ and other statistics you should question
(Health Journalism, 2023)
Appeals court reverses over $200M judgment against All Children's Hospital in 'Maya' case, NPR / WUSF 2025
The Weaponization of Punitive Damages (S3, E7): podcast with Jessica Marshall, JD
Lifting the Shadows: Restating the Case for Reforming Third-Party Litigation Funding (TPLF), Institute for Legal Reform product, US Chamber of Commerce, October 2025
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Take the LEAP! Be litigation-ready.
Doctors and Patient-Facing Clinicians: Learn from Dr. Pensa's Litigation Education and Performance for Clinicians course. Up to 16 hours of AMA Category 1 CME/CNE credits available in this self-paced, attorney-approved video course that will teach you about the skills and mindset required to face medical litigation with integrity and know how. Learn many of the performance coaching techniques Dr. Pensa uses with her own 1:1 coaching clients.
START HERE: https://www.doctorsandlitigation.com/leap-for-clinicians
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Attorneys, Risk, Claims, and Medical Leadership: Learn about "Defense LEAP" and partnering with Dr. Pensa to ensure your medical defendants are supported and prepared from the very beginning. I help with the fear, the confusion, and the basic education -- so your time with them is spent on elevated strategy instead of groundwork.
Contact Dr. Pensa through her website to learn more: https://www.doctorsandlitigation.com/contact
Episodes
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Apr 5, 2019
Apr 5, 2019
17 min
Litigation affects the majority of physicians during their career -- in other words, good doctors often get sued. Yet the topic is largely a taboo one among physicians. In this first episode, Dr. Gita Pensa introduces the topic of litigation stress, interviews physicians who have been sued about what makes the experience difficult, and talks to Louise Andrew, MD JD about why this topic needs to be addressed.
Dr. Pensa successfully defended a multi-million dollar malpractice case spanning twelve years, including two jury trials. She speaks nationally on the topic of litigation and litigation stress, and has been a practicing physician for nearly 20 years. She is currently academic faculty at the Alpert Medical School of Brown University. However, these opinions are her own, and this podcast does not express the views of Brown University, her employers, or any affiliated hospital systems.
More about Dr. Pensa: doctorsandlitigation.com
Also available here on Apple podcasts.
Theme music by BenJamin Banger (Instagram: @BenJaminBanger)
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Check out Dr. Pensa's recent appearance on The Pitt Podcast -- the HBO Max companion podcast to the Emmy-winning hit show, The Pitt!
Gita Pensa was thrilled to be a consultant for the hit drama The Pitt for the 2nd and (upcoming) 3rd seasons, bringing her expertise in malpractice litigation stress to help the show's writers understand what clinicians carry behind the scenes. She speaks about it more in Episode 10 of the HBO Max companion podcast.
Watch here now:
https://youtu.be/phwbzDMCuUc?si=DUymrA6dE9xYYVx_&t=2070
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Take the LEAP! Be litigation-ready.
Learn from Dr. Pensa's attorney-vetted Litigation Education and Performance for Clinicians course. Up to 16 hours of AMA Category 1 CME/CNE credits available in this self-paced video course that will teach you about the skills and mindset required to face medical litigation with integrity and know how. Learn many of the techniques Dr. Pensa uses with her own 1:1 coaching clients.
START HERE: https://www.doctorsandlitigation.com/LEAP/signup
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Attorneys, Risk, Claims, and Medical Leadership: Learn about "Defense LEAP" and partnering with Dr. Pensa to ensure your medical defendants are supported and prepared from the very beginning. Contact Dr. Pensa through her website to learn more: https://www.doctorsandlitigation.com/contact
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WATCH: The Emmy-nominated 30-minute documentary, "A World of Hurt: How Medical Malpractice Fails Everyone," featuring host Dr. Pensa.
PBS: https://watch.ripbs.org/video/a-world-of-hurt-how-medical-malpractice-fails-everyone-uklpuo/
YouTube: https://www.youtube.com/watch?v=09IVcL6pACU

May 9, 2019
May 9, 2019
25 min
In the second episode of Doctors and Litigation: The L Word, we discuss the very first steps in litigation, starting with when you are given notice of a medical malpractice lawsuit. Experts Dr. Sara Charles, Dr. Ilene Brenner, and Dr. Louise Andrew lend their expertise; physician voices describe their experiences.
More about author Dr. Pensa: doctorsandlitigation.com
Topics discussed:
The emotional impact of the first steps into litigation (and the intended effect from the plaintiff's attorneys), as well as some advice on how to frame it in your mind
First action basics: contacting your insurance carrier, and finding an attorney to represent you
Board of Licensure/Department of Health investigations that begin automatically in some states when litigation starts
The beginnings of the 'discovery' process
Who to talk to...and who not to talk to
Do's and definite don'ts in the first stages
Resources mentioned:
"How to Survive a Medical Malpractice Lawsuit", by Ilene Brenner MD
"Adverse Events, Stress and Litigation: A Physician's Guide", by Sara Charles, MD and Paul Frisch, JD
Litigation stress website with free resources: www.physicianlitigationstress.org (founded by Dr. Sara Charles; note host Gita Pensa MD serves on the voluntary advisory board)
Dr. Louise Andrew, MD JD: www.mdmentor.com
Theme music by BenJamin Banger (Instagram: @BenJaminBanger)

Jun 14, 2019
Jun 14, 2019
20 min
In this third episode, you'll hear the story of one tragic medical case and its legal aftermath, involving a physician who did everything right -- and yet winds up as a defendant in a high-stakes malpractice trial.
More about author Dr. Pensa: doctorsandlitigation.com

Jul 24, 2019
Jul 24, 2019
40 min
In this fourth episode, we first hear the story of Dr. J, an accomplished OB Gyn who died by suicide during litigation in the aftermath of the death of his patient. We then talk about barriers to physicians seeking help, and how peer support programs can act a a lifeline. And we talk to a psychologist with expertise in physician litigation about some techniques and strategies for coping with litigation stress.
If you are in crisis, the National Suicide Prevention Hotline at 1-800-273-8255 is there for everyone -- even healers.
More about Dr. Pensa: doctorsandlitigation.com

Sep 11, 2019
Sep 11, 2019
9 min
In follow up to the fourth episode, which tells the story of Dr. J, a physician who died by suicide during medical malpractice litigation, this mini session highlights National Physician Suicide Awareness Day (NPSA Day) which falls on September 17th. This is during Suicide Prevention Month, and one week after World Suicide Prevention Day. Physicians have an increased risk of suicide over the general population; over 300 physicians die by suicide each year. I speak with Dr. Loice Swisher, co-founder of NPSA Day, tells us about its origins and ways that you can get involved.
Follow hashtags #NPSADay, #DocsTalkSuicide, and for general suicide prevention, #BeTheOne or #BeTheOneTo.
The fifth regular episode on the deposition will be out later this month.

Sep 25, 2019
Sep 25, 2019
44 min
In this episode, we discuss the need for emotional, psychological, and practical preparation for your deposition. We hear from experts such as defense attorney Ryan Deady (of Barton Gilman, LLP) as well as Dr. Ilene Brenner, author of 'How to Survive a Medical Malpractice Lawsuit.' As always, you'll hear from physicians about their experiences as well. (Note: this is not concrete legal advice -- you need your lawyer for that. This is meant as a general guide to the process and what you might expect, but just like in medicine, every legal case is unique.)
More about Dr. Pensa: doctorsandlitigation.com
PRIOR TO DEPOSITION: In addition to obtaining books and discussing with your attorney, you may find these points helpful. This is not comprehensive, but it's a start.
1) Study your chart well, and any other documents provided to you by your attorney. 2) Discuss whether to do any research about the medicine in question with your attorney -- there are pros and cons to this. 3) Know the weak spots in your case and your charting, and how you will articulate your thoughts about them 4) Practice answering difficult questions in a direct and succinct manner, avoiding providing extraneous information. 5) Discuss with your attorney how to handle questions about co-defendants. In general, avoid finger-pointing. 6) Know your 'arrows' and when to fire them (i.e., if you have a 'slam dunk' in your defense)--this is the exception to the 'don't explain too much' strategy. Your attorney will help you identify these points and how to get them into your testimony. 7) Plan for the day itself: make sure you're not on call or post-overnight, know what sharp, professional outfit you will be wearing, know where to be and when -- and plan something fun and relaxing that evening to decompress after it's done.
DURING DEPOSITION: 1) Pay attention to your attorney during the process -- they are with you for a reason. 2) Take your time answering questions; pause before speaking. 3) Do not answer any question until the question is complete. Do not interrupt or speak to fill in an awkward pause. 4) If a question has multiple parts or is confusing, ask the questioning attorney to break it down or rephrase it. Do not answer questions unless you know exactly what the question is. If the question seems out of 'left field' avoid over-explaining why it seems to be so. If you cannot answer the question as it's asked, say so and ask them to rephrase it. 5) Be aware of verbal traps such as double negatives, hypotheticals, overly vague questions or generalizations, or questions posed after a long series of statements or data. 6) If you don't remember or don't know, just say you don't remember or you don't know. Don't guess, and don't say anything you only 'think' you remember. Stick to what you're sure of. 7) Do not agree to calling any text, journal or article "authoritative". It's not. 8) You should look at hard copies of the chart or labs when asked direct questions about them -- but then stop flipping through the chart and pay attention to the next question. Do not direct their attention to any other parts of the chart or try to educate them. 9) Take a break whenever you need one. Refresh, recharge, and speak with your attorney in private. It's a long day. 10) When it ends, get far away from the building and into a safe space before you talk to your attorney about what went on in there. You never know who's listening, and anything they observe is fair game, even if it's not in the transcript.

ABOUT THE SHOW
The podcast I wish I had when I was sued.
I'm Dr. Gita Pensa, an emergency physician and malpractice defendant for twelve years, including two jury trials. I know what it is to carry a case with no roadmap.
This show exists because that roadmap should exist. Interviews with physician defendants, defense attorneys, and psychologists covering the legal process, the psychological toll, and the skills nobody taught you in training.
Free. Available to anyone. Start wherever you are.
Gita Pensa, MD, Host
Ready to go deeper?
The LEAP course takes everything the podcast covers and builds it into a structured, self-paced program. It includes the self-coaching strategies Dr. Pensa teaches her one-on-one clients and covers the complete litigation process from complaint to verdict. Up to 16 CME credits.


