A quote comparison for physicians
Two offers are easier to understand when the purpose, details and time period line up.
Copy the provider’s actual terms into the worksheet. Entries stay in this page’s memory and reset on reload. Download or print to keep them. This tool organises information; it does not price, rank or recommend a policy.
Full-term premium
Record the quoted amount, fees and taxes where applicable.
Currency
Use CAD, USD or the actual quote currency.
Policy period
Record the term, such as 12 months or 6 months.
Limits and sublimits
Include separate limits and whether any aggregate is shared.
Deductibles / retention
Specify the event or section to which each amount applies.
Insured people, property or services
Specialty, procedures, and practice locations
Territory / eligibility
Record the locations and conditions accepted by the provider.
Exclusions and conditions
Record the exceptions and conditions relevant to your situation.
Effective date and reporting basis
Include start date, reporting rules or waiting periods where relevant.
Professional work scope
Specialty, procedures and practice locations need direct provider review.
Practice entity and contracts
Separate individual protection from clinic business responsibilities.
Changes and prior work
Explain locums, remote services and transitions between arrangements.
Your review notes
Show the entries in my comparison
Questions specific to your world
- What professional protection or assistance applies to my exact work?
- Which entities and business activities need their own review?
- What must be confirmed before the locum or placement starts?
- Who should receive a notification concerning work before the change?
Different entries are prompts for discussion, not proof that an offer is better or worse. Ask about any blank or unclear term before deciding.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.