1) The costs associated with running a business;
2) The costs associated with your being readily available; and,
3) That they are paying for your training, experience, and judgement as well.
I have family that was associated with health care.
the Dr. paid 160K (yes 160K) per year liability.
Then bills the insurance for X amount,insurance states they will only pay Y amount...the circle begins the rates get inflated so the Dr. can receive what the procedure was worth...
As I say... It all boils right down to the lawyers...
Sorry..Way OT.. I'll stop now.