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Many medical professional liability carriers (medical malpractice) will allow you to share your limits of liability with your professional corporation or entity. While this method of protecting your entity is generally free of charge, it may lead to gaps in your insurance coverage or inadequate defense protection.
The proper way to cover your entity when you have any physicians, independent contractors or employed physicians working under the name of your entity is to purchase a separate entity policy. The cost of a separate entity policy is generally 10-30% of each physician’s premium. There may be additional charges for allied professionals.