Underwriters typically assign applicants for malpractice insurance to one of three categories based upon the nature of the risk they are being asked to assume.
Most underwriters will treat any applicant as a preferred risk if the applicant meets stringent underwriting standards based upon the applicant’s medical specialty, credentials, personal habits, malpractice claims, and other criteria.
Those applicants that do not qualify as preferred risks and are not considered to be special risks are considered by underwriters to be standard risks.
At HealthCare Professionals’ we offer a complete range of insurance policy types. Click here for a list of some of the major policies and a brief description of how they protect you and your practice.
Unique and Special Risk Policies
Applicants that are engaged in a unique or unusual type of medical practice,or have a history of claims, or have been canceled or declined by other underwriters or otherwise do not meet the underwriter’s criteria for preferred or standard risks are considered special risks. Click mortgages for physicians to link to our Unique and Special Risk Policies Section.
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The following two best office phone systems will serve you well, no matter the day:
Ring Central has its own “Ring Central Office Plan” that includes four types of office plans for selection. You can choose 1-3 users, 4-19 users, 20-49 users, and even 50+ users in the same phone plan! All forms of the plan come with unlimited calls and faxing, no set up fees required, no contracts (30-day free trial to start), and you can keep your existing numbers to join any one of its plans. It is certainly one of the best office phone systems around.
Phone.com has a virtual office package right now that comes with an automated attendant, multiple phone numbers, as well as a fax that allows you to receive faxed messages and send faxed messages at $9.88 monthly. They also have an Enterprise package running at $94.88 monthly that includes unlimited minutes, extension dialing, mobile dialing, and 4 IP phones as part of the package deal. With Phone.com, you can “communicate better” than ever before with one of the best office phone systems money can buy.
What is it that you prize in the best office phone systems? Unlimited minutes, calls, and faxes? Free voicemail privileges? A grace period in which to pay your phone bill before your company decides to cut off your phone plan? A plan that can hold lots of phone users for half the price of most phone companies? Whatever it is that you want in a phone company, you will not find two more quality, affordable phone companies than Ring Central and Phone.com. For your best office phone systems package, give them a call today—and get back to business as usual.
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