Hi Heidi,

I'd recommend a good, knowledgeable agent.  Years ago, I lost coverage for several prior years because my agent didn't understand what it meant that E&O insurance was a "claims made" type of policy, and my coverage lapsed while she was looking for competitive quotes.  After that, I decided that a good agent was the smartest way to protect myself.

I have been with Nancy Walker at American Insurance Professionals for many years.  I'd recommend you talk to her (or one of her trusted associates).  You can find them at http://www.aminspro.com/.

Best,
Robert A. Franco
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