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Building Your Medical Liability Risk Management Program<br><i><b><font size="-1">The Underwriter Relationship<br>Part Two of a Two-Part Article</font></b></i>

By Kevin Quinley

A medical professional's ability to procure insurance coverage — and on the best financial terms — depends largely on the discretion of an insurance underwriter — the insurer's gatekeeper. Underwriters decide which applications to accept for coverage and which to decline. They also determine how much each insured person or entity will pay, what kind of policy terms and conditions the insurer will provide, etc. Thus, the underwriter is key to a health care provider's risk management program and financial protection.

Because the relationship with the underwriter can work for or against a physician, medical practice or hospital, it pays for the insured to know the underwriter. Some specific tips:

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