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MEDICUS malpractice insurance

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Hello everyone.


I am looking to switch jobs and a new job sent me an application for malpractice coverage. It is claims made coverage. I don't know anything about malpractice insurance (shame on me) but under limits of liability it gives me 3 options to choose....shared limits, separate limits, or same as employer...

To get the best insurance...shouldn't I choose same as employer???  



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Don't know their cost.  It is for a physician who is otolaryngologist and cosmetic surgeon. 75% I will be doing sinus surgeries and 25% cosmetic (lipo, facelifts, etc).

I did get some quotes to see if I can purchase my own liability insurance, but because there is some cosmetic work the insurance goes up to about ~8K a year!!

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