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Your renewal starts 90 days before the invoice.

Most owners find out what changed when the number arrives. By then the options are gone. Here is the countdown.

90

days out

Pull your service list and compare it to what you actually do now. Anything you added and did not declare is the thing that hurts at claim time, not at renewal.

60

days out

Declare the changes. New providers, new locations, new procedures, mobile or event work. Declaring late is what turns a routine renewal into a re-underwrite.

30

days out

Terms arrive. If the number moved, this page explains the seven things that move it, so the conversation starts from why rather than from surprise.

At 30 days out

The seven things that move your premium.

If the number moved, it moved for one of these reasons. Knowing which one is how the conversation starts from why rather than from surprise.

  1. What you perform. The service list drives the class. One added procedure can move a practice into a different underwriting box, which is why an undeclared service is the most expensive thing in a file.
  2. Who performs it. Physician, NP, PA, RN, aesthetician. The credential matters and so does the supervision structure behind it.
  3. How supervision is documented. Not whether there is a medical director. Whether the chart shows the relationship working the way the state requires.
  4. Claims and incidents. Loss runs, open matters, and anything reported but not yet a claim. Volunteering an incident costs less than having it surface later.
  5. Limits and structure. Per claim, aggregate, who shares the aggregate, and whether the form is claims made or occurrence.
  6. Your state. Scope of practice, corporate practice of medicine, and the local litigation climate all sit in the number.
  7. What you bill. Revenue by service line is how an underwriter sizes the exposure rather than the practice. Two practices performing the same procedures at different volumes are not the same risk.
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