Benefits of the CBS policy

• "A" rated underwriter
• Consent-to-settle clause
• Sexual allegation defense
• Professional Board Regulation defense for cases involving patient care ($30,000)
• HIPAA defense ($10,000)
• First aid coverage ($5,000)
• Vicarious Liability coverage
• Locum Tenens (vacation relief) coverage
• Shared limits of corporate coverage at no price (separate limits for corporation 20% of your premium)
• Coverage for employees (not other health care providers) included in your premium
• Newly licensed doctor discounts (Year 1 -75%, Year 2 -40%, Year 3 -25%, Year 4 -15%)
• Part-time doctors (-50% for 20 hours or less per week)
• Claims-free discounts
• Prior-acts coverage available for doctors changing from claims-made policies
• Free tail coverage at close of policy at retirement of 52 years or older, disability or death, after just 1 year insurance with CNA -- with indefinite reporting coverage
• Defense costs outside of policy limits
• Suspension of coverage available for up to 6 months (upon approval)
• Payment options available – 3-pay plan, 10-pay plan
• Chiropractor-owned, doctor-driven program
• Exceptional client service
• Risk management services
• Experienced and licensed brokerage team
• Service-oriented with quick turnaround time for applicants (typically 1-3 days)
• Incident Reporting triggers coverage
• Profits used to support, fund or promote research efforts, lobbying and development/updating of evidence-based clinical guidelines
   

Does your current policy offer all this and more?
If not, it's time to switch to CBS!