---
title: Our Process | Ethos Insurance Partners
description: Placing medical professional liability insurance can be a nightmare. Get relief from convoluted forms and difficult wholesalers.
---

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# A Wholesale Process Designed Around Your Needs

Your wholesaler should work for you as hard as you work for your insured. If a wholesaler makes your job harder, it’s time to let them go.

[Book Your Meeting](https://www.ethosinsurance.com/talk-to-us)

Enough is Enough

## Working with the wrong wholesaler can hurt your business.

Healthcare professional liability are some of the trickiest and most complicated lines of professional liability coverage to place.  You nor anyone else can afford even the slightest hiccup in getting your client insured properly. Anyone but a solely focused healthcare professional liability expert and specialist leaves you prone to...

![](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg)

### Increased E&O exposure

![orange-x](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg)

### Quotes with inferior coverage options

![orange-x](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg)

### Losing your clients to your competition

![A dishonest healthcare professional liability wholesaler crossing his fingers as he knowingly does wrong to his client.](https://www.ethosinsurance.com/hs-fs/hubfs/Stakes%20simple%20image%20%5Bright%5D.png?width=643&height=617&name=Stakes%20simple%20image%20%5Bright%5D.png)

Breathe Easy

## Wholesalers should reduce your burden.

Your focus ought to be your insured, not the carrier and not your wholesaler. If your wholesaler is merely an access point to carriers, it's time for a new wholesaler. Market access alone isn't worth constant headaches. 

[Book Your Meeting](https://www.ethosinsurance.com/talk-to-us)

![Pillar White](https://www.ethosinsurance.com/hs-fs/hubfs/Pillar%20White.png?width=500&name=Pillar%20White.png)

### Reduce Anxiety

Rest easy knowing that you'll be the hero in your insured’s eyes after securing them the best policy possible.

![Pillar White](https://www.ethosinsurance.com/hs-fs/hubfs/Pillar%20White.png?width=500&name=Pillar%20White.png)

### Reduce Workload

A good wholesaler reduces your busywork so that you can focus on the tasks that only you can do.

![Pillar White](https://www.ethosinsurance.com/hs-fs/hubfs/Pillar%20White.png?width=500&name=Pillar%20White.png)

### More Time

When your wholesaler does their job right they create more time for you to do yours.

## What to expect from beginning to end.

The entire process is designed around giving you everything you need on a timetable that’s optimized for your specific needs.

[Book Your Meeting](https://www.ethosinsurance.com/talk-to-us)

![orange 1](https://www.ethosinsurance.com/hs-fs/hubfs/orange%201-1.png?width=477&name=orange%201-1.png)

### Submission Review

After sending your submission, you will hear from us within **one business day** with details of the service team assigned to you. During our review, you will be asked for your desired **target quote date** so that you can set your own deadline for presenting options to your insured.

![orange 2](https://www.ethosinsurance.com/hs-fs/hubfs/orange%202.png?width=477&name=orange%202.png)

### Initial Marketing Summary

**Within two business days** of receiving your submission, we’ll contact you with an **Initial Marketing Summary** advising you of which carriers we are submitting to on your behalf along with any additional information needed to get the best possible options from those carriers.

![orange 3](https://www.ethosinsurance.com/hs-fs/hubfs/orange%203.png?width=477&name=orange%203.png)

### Interim Marketing Summaries

As carrier negotiations take place, you will receive updated **interim marketing summaries **at least once a week so that **you're never out of the loop with your account**. During this period, you will receive **unaltered proposals** as they arrive.

![orange 4](https://www.ethosinsurance.com/hs-fs/hubfs/orange%204.png?width=477&name=orange%204.png)

### Final Marketing Summary

Once every carrier has provided a final response, you will receive a **final marketing summary** which will include **coverage highlights for each quote and carrier** that you have determined to be the **greatest value for your client**.

![orange 5](https://www.ethosinsurance.com/hs-fs/hubfs/orange%205.png?width=477&name=orange%205.png)

### Post-binding

Your binder and policy will be issued as soon as possible, and no later than 30 days after the effective date. **Your team will continue to be available to you** to quickly respond to all your mid-term service requests.

Fast. Easy. Right.

## A simple and effective plan makes all the difference

Aiding your clients while growing your business is hard enough work as it is. Your wholesaler shouldn't add to your burden, which is why Ethos developed Fast-Easy-Right.

![Step 1](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-1-step.svg)

### Fast

Within two business days of a completed submission, your personalized team of experts will send your first marketing summary.

![Step 3](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-2-step.svg)

### Easy

Receive regular communication including marketing summaries, carrier proposals, and consultative information.

![Step 3](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-3-step.svg)

### Right

You and your insured experience the smoothest and most accurate healthcare professional liability placement you’ve had to date.

[Book Your Meeting](https://www.ethosinsurance.com/talk-to-us)

Process

## Frequently Asked Questions

Here are a few of the most commonly asked questions that we get about the Ethos process.

### About how long does everything take?

The entire process is designed around giving you everything you need on a timetable that’s optimized for your specific needs.

### Booking a Call

If you book during business hours we can usually get back to you **within an hour**. If you schedule outside of business hours we will be able to reach out to you the business day.

### Meeting Durations

However much time you need. We’ve had clients get everything they need in 5 minutes, others want a full hour. On average, an initial phone call usually lasts around **15 to 30 minutes**.

### Post Submission

You will hear from us **within** **one business day** of your submission with the details of the team assigned to you. **Within two business days** of your submission, your team will then contact you with an initial marketing report.

### Prior to Binding

As we continue to receive quotes from additional carriers, you will receive up-to-date reports of marketing efforts, including a proposal matrix and coverage highlights. Once marketing efforts are complete, you will receive a final marketing summary with insights from your team.

### Your Total Timetable

That's entirely up to you... Literally!

When meeting with your team we will inquire as to any specific **target dates** that you have. From there we will operate on **your timeline**.

### I’ve noticed that you don’t list a particular carrier on your website. Why not?

Ethos works with all the key carriers specialized in the healthcare liability marketplace. However, there are always other carriers that may have an appetite for healthcare accounts but struggle to compete with more specialized carriers. When new carriers enter the healthcare liability arena, we are careful to vet them out and add them if they are likely to provide a benefit for our customers.

If there is a particular carrier missing from our list that you have questions about we would like to encourage you to contact us so that we can discuss if the carrier is missing in error, or otherwise discuss the circumstances for their omission.

### How do I get the correct application?

While we're working on a self-service tool to help you select the best application for your particular opportunity, we invite you to contact us directly and an Ethos team member will happily help you find the correct application.

### What information is required for a submission?

Every submission should include an application and no fewer than 5 years of loss/claims history (aka: loss runs). There are many specialized applications or supplemental applications that address the particular details of certain classes of business. Additional info may also be necessary to complete a submission: CVs (Curriculum Vitae); financials; copies of contracts and licenses, to name a few.

## Get your healthcare professional liability placed fast, easy, and right!

Start with selecting the best medical malpractice and professional liability wholesaler in the healthcare professional liability market. By the end of the day your meeting time will be reserved, and within 15 minutes you’ll know whether Ethos is the right match for you.

[Book Your Meeting](https://www.ethosinsurance.com/talk-to-us)