Will I lose coverage for past work?
Not if your new carrier matches prior acts or you secure tail coverage from your current carrier. This is the big one, don't skip it.
Can I wait to report a claim until after I switch?
No. Claims-made policies require timely reporting of all claims and potential claims. Waiting can jeopardize coverage.
Do I need to notify my current carrier if I decide to switch?
No. The only time you'd need to loop in your current carrier is if tail coverage ends up on your shopping list.
Will my coverage be the same?
Doublecheck limits, deductibles, and policy type. "Looks similar" is not the same as "is similar".
Is switching worth it?
If you're not getting responsiveness, clarity, or confidence from your current carrier, then the answer is yes.
