At L&J you'll get choices and explanations, not just a price.
This sample quote shows the result of the L&J difference. We listen to your story and learn your unique situation. Then, with our existing relationships with major malpractice insurance carriers we present you in the best light.
L&J carefully goes over all of the details, explaining what each will mean to you. The end result for you is being placed with the right provider for your current circumstances.
| CNA | AM Best Rating | A | Admitted? | No | |||||
| Policy Limits | |||||||||
| Each Claim | Aggregate | Deductible per Claim | Retroactive Date | Premium | Risk Management Fees | Surplus Lines Taxes & Fees | Total | ||
| $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 34,266 | $ - | $ 1,071 | $ 35,337 | ||
| Evanston Insurance Company | AM Best Rating | A | Admitted? | No | |||||
| Policy Limits | |||||||||
| Each Claim | Aggregate | Deductible per Claim | Retroactive Date | Premium | Risk Management Fees | Surplus Lines Taxes & Fees | Total | ||
| $ 1,000,000 | $ 3,000,000 | $ 5,000 | 1/1/2007 | $ 32,584 | $ - | $ 1,018 | $ 33,602 | ||
| General Star Indemnity Company | AM Best Rating | A++ | Admitted? | No | |||||
| Policy Limits | |||||||||
| Each Claim | Aggregate | Deductible per Claim | Retroactive Date | Premium | Risk Management Fees | Surplus Lines Taxes & Fees | Total | ||
| $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 23,276 | $ - | $ 727 | $ 24,003 | ||
| a | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 22,218 | $ - | $ 694 | $ 22,912 | |
| b | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 22,641 | $ - | $ 708 | $ 23,349 | |
| c | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 22,218 | $ - | $ 694 | $ 22,912 | |
| d | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 20,525 | $ - | $ 641 | $ 21,166 | |
| a | Defense costs included in limits of liability | ||||||||
| b | Insured waives consent to settle clause | ||||||||
| c | Defense costs included in deductible. | ||||||||
| d | Combination of a, b & c | ||||||||
| Lexington Insurance Company | AM Best Rating | A | Admitted? | No | |||||
| Policy Limits | |||||||||
| Each Claim | Aggregate | Deductible per Claim | Retroactive Date | Premium | Risk Management Fees | Surplus Lines Taxes & Fees | Total | ||
| a | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 45,365 | $ 300 | $ 1,418 | $ 47,083 | |
| b | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 41,736 | $ 300 | $ 1,304 | $ 43,340 | |
| c | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 39,014 | $ 300 | $ 1,219 | $ 40,533 | |
| d | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2007 | $ 35,385 | $ 300 | $ 1,106 | $ 36,791 | |
| e | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2008 | $ 25,922 | $ 300 | $ 810 | $ 27,032 | |
| f | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2008 | $ 23,848 | $ 300 | $ 745 | $ 24,893 | |
| g | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2008 | $ 19,442 | $ 300 | $ 608 | $ 20,350 | |
| h | $ 1,000,000 | $ 3,000,000 | $ 10,000 | 1/1/2008 | $ 18,146 | $ 300 | $ 567 | $ 19,013 | |
| a | Defense costs outside limits and incident claim trigger | ||||||||
| b | Defense costs inside limits and incident claim trigger | ||||||||
| c | Defense costs outside limits and written demand trigger | ||||||||
| d | defense costs inside limits and written demand trigger | ||||||||
| e | Defense costs outside limits and incident claim trigger | ||||||||
| f | Defense costs inside limits and incident claim trigger | ||||||||
| g | Defense costs outside limits and written demand trigger | ||||||||
| h | defense costs inside limits and written demand trigger | ||||||||
Not all insurance companies are the same. Since each insurer is unique, we carefully detail each option...and explain what they mean to you.
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