$8,000-10,000 a year for insurance? How much do you carry? I have a $1 Million/ $3 Million policy and it only costs me $2,500. I did not go with the AANA policy as that is outrageous. They also have a history of having to change underwriters all the time.
I went with Lloyds of London. I hear they have a long, proven track record and I expect they are going to be around for as long as I remain in practice.