The insurance industry is a business of relationships. L&J Insurance Services is a family owned brokerage that specializes exclusively in healthcare professional liability. We have provided exceptional service to our insureds for more than 20 years. In addition to our hard-earned reputation for honesty and integrity, we enjoy long-term relationships with carriers and underwriters. Typically, each carrier assigns us a single underwriter. This ensures that you will receive every advantage and opportunity due you and your group. You will not be lost in the shuffle or become a number with L&J Insurance Services.
Tumultuous insurance and financial market conditions demand full-time expertise.
Mergers and acquisitions are consolidating the industry and drastically altering the insurance market. Huge financial swings on Wall Street impact directly on insurance carriers. We are constantly researching insurance companies, market conditions and regulatory reforms to ensure our clients are not caught off guard when change occurs. L&J Insurance Services will not increase your costs.
Direct writer markets (NORCAL, Doctors, etc) offer the same premiums whether or not a broker is used. L&J Insurance Services does not charge additional fees or points above what we are paid from the insurance company for our brokerage services. Again, there is no cost to you or your group for using L&J as your broker.
Many insurance companies require brokers.
Direct carriers are only a small percentage of the available insurance market. Brokers can use market relationships and experience to determine the best companies to approach and the reasonable ranges of premium that should be offered. Further, should any unusual or difficult coverage questions arise, our brokerage is uniquely qualified to find affordable insurance options.
Your staff’s insurance workload is greatly reduced.
As a broker, it is our responsibility to negotiate coverage issues, add and drop physicians and providers from the policy, provide certificates of insurance, handle endorsements and many other administrative functions that are being performed by your office staff. We lighten the load and allow for valuable staffing hours to be used in other parts of your practice, at no additional cost to you.
One Call, Any Time. For Any Reason.
As your broker, it is our job to make sure you have what you need to focus on the practice of medicine. When you call us, you will not deal with Customer Relations, Underwriting Managers or Policyholder Services. We are responsible to you, for you. No exceptions.
Like healthcare, insurance needs change. We can begin work today to assure that you are able to take advantage of an extremely competitive marketplace and reach your goals for this insurance placement. Call us today at (800) 611-0793 and we will go to work for you.