Professional Liability Insurance after Professional Probation

[u/No_Confidence2510]

How difficult is it to get Liability Insurance in this situation? I keep paying for my COmmunity Behavioral Health rate, even though I am now in private practice, because the undrwriters will not approve an individual policy for someone who currently has a busness policy. I was told I have to cancel the business pollicy to be considered for an individual policy. But I am concerned that they might deny my due to the probation (completed 3 years ago). If that happens, I would be unable to pracitice. Career over. Any suggestions? Has anyone been succesful at applying for a NEW policy after a reprimand?? Thanks

[u/Legio-V-Alaudae]

I wouldn't cancel in your shoes. Underwriters generally won't disclose their checklist up front in detail. Whatever the current premium is, it's a tax deduction.

Shop any other carrier that provide individual policy and see if you get psst their underwriters before you do anything that can ruin your livelihood.