01
An incumbent renewal with no benchmark
A single renewal number does not show whether the market, practice profile, or available carrier options have changed.
Medical malpractice insurance
renewal and switching
Compare the incumbent renewal with the wider market.
Plan any carrier change before the effective date arrives.
Book a free coverage review
Bring your current policy, renewal date, and any indication or quote already received.
Before the renewal deadline
A carrier decision should be made before the clock decides it.
The useful question is not simply whether another quote is lower. It is whether the terms, carrier, timing, and transition path are right for the group.
02
Quotes that are not truly like for like
A lower premium can come with different limits, dates, endorsements, or policy terms. Those differences should be visible before the decision.
03
A switch without a continuity plan
Prior acts, tail considerations, open incidents, effective dates, and reporting requirements should be mapped before coverage moves.
A safer renewal process
Review the renewal. Compare the market. Plan the switch.
Sheltra helps the practice compare the current renewal against appropriate alternatives and keeps transition questions in view before anything is bound.
Review the renewal and current position
Confirm the policy terms, effective date, practice changes, claims considerations, and the information carriers will need.
Create a like-for-like comparison
Organize available quotes around limits, coverage form, dates, endorsements, carrier fit, claims support, and premium.
Coordinate the selected path
If a change makes sense, work through prior-acts or tail questions, reporting, signatures, payment, and effective-date alignment before the switch.
Groups that checked the market before renewing again
We only work with A-rated insurers
Sheltra compares malpractice coverage across multiple established insurers, helping independent physician groups evaluate more than a single renewal option.
When should a physician group start reviewing its renewal?
Start early enough to review the current policy, gather updated practice information, approach appropriate carriers, compare returned terms, and resolve continuity questions before the effective date. The practical timeline depends on the practice, state, carriers, and complexity of the account.
Does a lower quote mean the coverage is the same?
Not necessarily. Compare limits, coverage form, retroactive dates, defense and consent terms, endorsements, provider and entity schedules, and carrier requirements alongside the premium.
Can a practice change carriers without a coverage gap?
A change can be planned around continuous effective dates, but the correct path depends on the existing and proposed policies. Prior-acts coverage, tail options, known incidents, and reporting obligations should be resolved before the switch.
What information is typically needed for a market check?
Carriers commonly need details about the entities, providers, specialties, procedures, locations, limits, current coverage, prior coverage, and loss history. The exact requirements vary by insurer and account.
Your next renewal does not have to be a black box