Commission Transparency Ensures Proper Consultation

We understand that commission rates are an important consideration when choosing a wholesaler. We want you to experience the best return on your investment. While it's possible that other wholesalers may offer higher commission rates, we would encourage you to consider the adage, “You get what you pay for.”

Specialized Expertise Tailored to Your Needs:

As specialists in healthcare professional liability, we bring a deep understanding of the nuances and challenges of this unique field. Working with us means gaining access to a team of true healthcare specialists who are dedicated to serving your specific needs. Our expertise and strong relationships with medical professional liability underwriters allow us to secure better quotes that align with your business requirements.

Minimizing Risks for Your Business:

We know that reducing errors and omissions (E&O) exposure is crucial for the success and reputation of your business. Our specialists are committed to meticulously evaluating each placement, ensuring accuracy and minimizing potential risks. With our expertise and attention to detail, you can have peace of mind knowing that your business is well-protected.

Exceptional Support Throughout the Process:

Count on us for timely updates, regular interim marketing summaries, and unaltered proposals. We empower you to make informed decisions for your clients. We are committed to being your trusted partner throughout the entire process. 

By choosing a specialized partner, you invest in a collaboration centered around your success.

While premium thresholds are important, we also take into account other factors to ensure a fair evaluation of the commission split. We consider not only the size of the book but also our collective experience on the book. For instance, we consider factors such as new business hit ratios and renewal retention rates to determine an appropriate adjustment to commissions. This approach ensures that both parties benefit from a mutually beneficial arrangement

Just like you, a big part of our business comes down to managing our relationship with carriers. Whatever their reason, some of our carrier partners have asked us not to list our current commission agreements on our website.

We believe that your needs come first, so while we do not list carriers' names next to their commission schedule on the site we welcome you to contact us directly if there is a carrier you have a question about. Further, we will always provide you with commission information for each carrier in your marketing report.

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.

Finding 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

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.