I based my decision on:
A) Good advice if you need advice, especially in the preliminary stages to actually make cases go away because they are HANDLED correctly.
B) A company that will actually DEFEND when your case is defensible (notes, records, depending on situation etc) and not just settle to make claims go away (that’s in my opinion why this sector has seen such an increased litigation).
C) Is this cover discretionary or not – can the company refuse to defend you.
D) Costs: I want to see the costs reflect the relative risk. If I have been practicing for years without any claims, that must be a good sign and I should be lower risk.
















