CONGRATULATIONS ON YOUR GRADUATION. YOU MADE IT!
If you’re like most graduates, you’ve got the basic skills to begin making a living, a lot of debt and very little cash. Still, there are things you need to buy. Insurance is just one of those things.
There are two things that you need to consider right away, Professional Liability (Malpractice) and Disability Insurance (personal income replacement). It doesn’t have to cost you a fortune but you will need to invest a little time in understanding your options. That’s where we can help.
Regardless of whom you choose to work with (and we hope it’s us) there are a couple of consumer rules important to heed:
- First: Beware of anyone who only offers coverage from one company. They have an agenda and it’s not yours.
- Second: Don’t buy professional liability from anyone who can’t or won’t explain the difference between claims made and occurrence coverage. If they tell you which one to buy...run.
We’d like to make it easier for you. We specialize in helping new graduates find the right coverage at the right price (that doesn’t always mean the cheapest price). We work with most of the industry leading professional liability and disability insurance companies. We’ll explain your options and help you to make an informed decision. We’ll also be here in the future to review and refine those decisions as your practice and family grow.
If you need health, home, renters, auto, personal umbrella or life insurance, we can help you with that too.
We’re the only agency of its kind here in the Southwest, a one-stop-shop dedicated to you and your practice, the only insurance agent you’ll ever need.
THE TOP INSURANCE COVERAGE OPTIONS FOR NEW GRADUATES
Professional Liability (Malpractice)
Professional liability insurance is designed to defend and indemnify a doctor from allegations of treatment errors resulting in harm to a patient. Choosing professional liability coverage is serious business. Your reputation and even your ability to practice may depend on that choice.
Disability Insurance
Your ability to earn is your most valuable asset. It’s also important to understand that disability coverage is most easily secured and least expensive when you’re young and healthy. There are several very good disability companies to consider but comparing them can be difficult. With disability insurance, it’s definitely not one size fits all and there is nothing worse than finding out you’ve got the wrong coverage after you’ve become hurt or sick. We can help you understand your options, all your options.
Life Insurance
Death and life insurance can be an uncomfortable subject. Take the emotion out of life insurance though and it’s nothing more than an extremely efficient and flexible financial tool. We have access to the entire life insurance market. Whatever your situation, we can help you find the life insurance to address it.
Personal Home & Auto Insurance
We’ve been conditioned by advertising to believe that Home and Auto insurance is all about price. We’re told that all home and auto insurance policies are created equally. It’s just not true.
Personal Umbrella Policy
The quickest way to lose everything you have is to be held personally and financially responsible for an injury or death caused by you, a member of your immediate family or connected to a property you own. Unlike your malpractice exposure, there is no tort limit to mitigate to loss. That’s why it’s so important to carry a personal umbrella policy.
Individual/Family Health Coverage
It doesn’t really matter what your position is on the Affordable Care Act. It’s the law of the land and has likely forever changed the way we purchase and use health insurance, and yes, its’ complicated. It’s more important than ever to understand your options with health insurance, especially if you’re a practice owner.