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Cindy Hildebrandt
Richards Buell Sutton LLP

Willa, ours is too detailed to go into, in this forum. I will say we have all those things you listed within three options to chose from. There are varying degrees of coverage ($25k life vs. 2 1/2 times annual salary to a max, varying practitioner coverage, ortho, etc). I highly recommend Fernanda and her team at ES3 Advisory, a HUB International company to help you get some competitive rates and coverage! They know their stuff and will work hard for you. Drop my name.