Going straight to a carrier means you’re only seeing one option. A broker works with multiple top-rated insurers, helping you compare coverage terms, costs, and policy structures across the board. That matters - especially if your specialty or practice situation requires more tailored coverage.

A good broker acts as your advocate, not the carrier’s sales rep. You get objective guidance, more choices, and a clearer path to the policy that fits your needs - not just the one you happened to find first.

Learn more about the benefits of working with a broker here.

When it comes to finding a policy, no - brokers are typically compensated by the insurance carrier through a commission, and that commission doesn’t impact your premium. Your cost is based on your specialty, location, coverage structure, and risk profile - not whether you used a broker.

Some brokers may charge for additional services like risk management consulting or practice audits, but most do not charge a fee just to help you secure coverage.
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At DrsCoverage, we don’t charge broker fees. You receive professional guidance from our team and access to an extensive network of carriers without paying anything extra.

No. Malpractice insurance carriers appoint brokers individually, and not every broker has access to every carrier. These appointments often take years to establish and depend on the broker’s experience, volume, and reputation. Brokers may have connections that allow them access to these carriers through other means in order to serve their clients.

Some brokers work with just a few select carriers, while others have broader access through direct appointments or partnerships. The difference matters - limited access can mean limited options. A broker with strong carrier access is more likely to find a policy that aligns with your practice, specialty, and risk profile.