Renewal and switching
with continuity clear

Compare the incumbent renewal, available carrier options, and the transition path.
Resolve prior-acts, tail, and effective-date questions before a switch.

Browse guides

Related service

Medical malpractice insurance renewal and switching

Review the current policy, benchmark insurer options, and plan any carrier change with coverage continuity in view.

Explore this service

Renewal and switching

Make the carrier decision before the deadline makes it for you.

These guides cover market checks, carrier switching, tail coverage, retirement, and the continuity questions that should be resolved before a policy changes.

carrier shoppingtail coverage

How to Switch Malpractice Carriers Without Losing a Single Day of Coverage

Sachdev Orthopaedics was with the same malpractice carrier for 22 years. Twenty-two years of premium increases. Twenty-two years of the same broker sending the same renewal notice. When they finally switched, the process took less than three weeks. Coverage never lapsed. The practice did not miss a beat. Here is how switching malpractice insurance carriers actually works.

SheltraMarch 1, 2026Read article

market timingcarrier shopping

Is Now a Good Time to Shop Your Malpractice Coverage? (Yes. Here's Why.)

"I will shop my coverage at my next renewal." We hear this every week. Here is the problem: your next renewal is the one where your premium goes up another 7%. And the one after that. The best time to shop your malpractice coverage was last year. The second best time is now.

SheltraJanuary 1, 2026Read article

tail coverageretirement planning

Tail Coverage: The $50,000 Mistake Most Physicians Don't See Coming

A surgeon we know was planning her retirement. Everything was in order -- finances, practice transition, patient referrals. Then her broker mentioned tail coverage. The quote: $87,000. For a policy she thought she had already paid for. This is the tail coverage trap, and it catches physicians every single year.

SheltraDecember 1, 2025Read article

case storycarrier shopping

The 22-Year Carrier Relationship That Was Costing This Practice Thousands Every Year

Twenty-two years. That is how long Sachdev Orthopaedics stayed with the same malpractice carrier. Not because the coverage was exceptional. Not because the premiums were competitive. But because switching felt like a risk. When they finally ran a market check, they realized the real risk had been staying.

SheltraNovember 1, 2025Read article

retirement planningtail coverage

What Happens to Your Malpractice Coverage When You Retire (And Why You Need to Plan Now)

Dr. Hernandez retired at 68 after 35 years of practice. His financial advisor had everything planned. His practice was transitioned to a younger partner. His patients were referred. But nobody mentioned tail coverage until three weeks before his policy ended. The quote: $72,000. This is the retirement malpractice trap -- and it catches physicians every year.

SheltraNovember 1, 2025Read article

A clearer next step

Bring the questions. We’ll help compare the answers.

A free coverage review connects what you have read to the policy, practice, and renewal in front of you.

Start with a 7-minute coverage call

Sheltra learns how your group is structured, what has changed, and where your current renewal needs a closer look.

Compare 5+ A-rated insurers

Your coverage is taken to market so multiple insurers can compete for your practice rather than relying on one renewal option.

Make a clear coverage decision

See the tradeoffs, understand the switching path, and move forward with support for the details that follow.

Renewal and switching with continuity clear