Hey everyone, I'm moving to texas in a few months and the group I am with wants to charge me either $25/hr for basically occurrence based malpractice (claims + lifetime tail). They told me that I could also get my own insurance as well. If I planned to work 12 12's (annual total hours 1728), that would put my cost at $43k basically. I feel like thats too much. Do any of you guys purchase your own insurance and then when you stop, just basically buy the lifetime tail? Someone told me it was 2x your last annual premium but not sure about the details. Any information and guidance would be much appreciated.