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I have been with a local medical malpractice insurance company for my entire career - about 10 years.
Never been sued, but they have been good to work with questions about lowering liability.
However, the premiums each year are not going down and a 'national' med-mal is about 20% per year lower.
Each year it seems like overall expenses go up and there are not other many areas to cut costs.
What is the difference between being 'underinsured' - which I don't want be - vs just putting up with the chance I have bad customer service.
I practice in a friendly state in a low risk speciality.
Never been sued, but they have been good to work with questions about lowering liability.
However, the premiums each year are not going down and a 'national' med-mal is about 20% per year lower.
Each year it seems like overall expenses go up and there are not other many areas to cut costs.
What is the difference between being 'underinsured' - which I don't want be - vs just putting up with the chance I have bad customer service.
I practice in a friendly state in a low risk speciality.