June 2023
What to Ask Your Broker When Buying or Renewing a Professional Liability Policy

By Jonathan C. Shoemaker and Taylor T. Dolan, Lee/Shoemaker PLLC

Whether you are renewing the policy you have had for years, considering a change in carriers, or buying a policy for the first time, diving into the professional liability insurance market can be daunting. There are many factors that should be considered when purchasing insurance: coverage limits, premiums, exclusions, deductibles, claims team and experience, and the ability to choose defense counsel in the event of a claim. Finding a knowledgeable broker is the first step. Does your broker understand your business and your policy needs, and do they have a strong working relationship with the community and carriers they serve? Once you’ve found a broker you trust, knowing what questions to ask them before settling on a policy and carrier is key.

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