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Small Business Dentist Insurance

by Felipe Gonzales | Aug 19, 2014 | Dentist Insurance

Thanks to advances in dental care technology, dentists can do more procedures in less time, with better results. This is great news for both dentists and patients however each new service or procedure introduces a new level of risk which may include:

exposure to infectious diseases
inherent risks of administering anesthetics
malpractice suits
damage to expensive equipment
and much more.

We make it easy to protect your practice from the risks you encounter every day. We provide immediate coverage from top-rated dental practice insurance carriers.

For the past 25 years, All Nation Insurance has been insuring dental practices with complete coverage from some of the nations largest carriers. Over the years we have discovered commonly missed areas of potential risk.

Medical malpractice insurance

Easily one of the most important policies are those that cover medical malpractice suits. If you’re incorporated, be sure that you have a corporate malpractice policy or a corporate endorsement on your malpractice policy. This protects your from having to pay the costs of defending yourself (and your corporation) in the event of a suit. Often times dentist incorporate years after beginning their practice and regret to have an insurance review. This often times results in costly errors that could jeopardize your business and personal assets.

*If you have an associate dentist, be sure the associate is covered by his/her own separate policy. Sometimes, an associate assumes he or she is covered under the dentist-owner`s corporate policy.

Business/office insurance

A potential risk often overlooked is automobile coverage. Ensure your policy not only contains general liability coverage but also covers automobile accidents. If for example, an employee gets into an accident while performing a work related task, this can often times fall on the employer.

Worker`s compensation insurance

Without Workers Compensation you may find yourself responsible for paying claims of your employees! These claims could include the cost of their work-related injuries and lost wages. You may also face legal challenges if your employee or the employees family believes the injury was tied to negligence in the workplace.

We also recommend covering all dentists/owners in your worker`s compensation policy. Many policies will cover any work-related health insurance claims as well as replace any lost income.

Personal and business auto insurance

Dentists frequently take a partial or full deduction for an automobile. Maintain records of miles driven and locations travelled, many dentist neglect to maintain proper automobile records and often risk failing an IRS audit.

Be sure to read your application carefully or ask your agent if everyone in your business is covered as a driver. If you are the sole driver of the vehicle, be sure to list that since it may result in lower premiums. However, if any of your family members drive your “business” car and have an accident, the insurance company may not pay the claim or worse, request back payments and cancel your policy.

Free Policy Review

If you believe that you may not be fully covered in the event of an accident, All Nation Insurance performs free insurance reviews. Our goal is to give you piece of mind knowing that your policy is completely adequate or missing important riders.

To get a free insurance review please complete our contact form and describe your business in detail. Be sure to gather all your important small business documents such as previous insurance documents and copies of your most recent taxes. Upon receiving your request, we will contact you to discuss the findings and recommend any additional policies or reduce coverage to lower your premiums.

What You Should Know About Mobile Home Insurance in Florida

by Felipe Gonzales | Aug 14, 2014 | Homeowners Insurance

If you own a mobile home in Florida or you are considering purchasing one, it is important that you protect your investment with mobile home insurance. A mobile home is a practical choice in Florida thanks to the affordability and warmer weather. According to the Florida Department of Highway Safety and Motor Vehicles, one in every three homes built in Florida is a mobile or manufactured home. These homes are worth over $37 billion. Before buying a mobile home or living another day in a mobile home that is not insured, it is important that you know the following:

What Will Mobile Home Insurance Cover?One of the most common questions that are asked by owners of mobile and manufactured homes is what will be covered under this type of insurance. Though the details of each policy will vary based on the company you choose for coverage, typically you will find the following is commonplace when obtaining mobile home insurance in Florida:

Coverage to Cover the Structure of Your Mobile or Manufactured Home

One of the coverage types that is standard when buying mobile home insurance in Florida is coverage to cover your home as well as any structures that might be on your property such as a shed or carport. In most cases, this will cover the structures from wind, fire, lightning, falling objects and more. Keep in mind, however, that if your mobile home is being moved from the property, it will likely not be covered in this process.

Coverage for Your Personal Property

You will also find that a basic policy will also cover your personal property. This includes any property that is in your home or in any structure like a shed. Some policies will also cover property that you own that is stored away from the home, but may have a lower coverage limit or might not be insured against all types of perils.

Coverage for Personal Liability

You will also see that this policy will cover any liability should an accident occur on your property. Accidents can certainly happen and if someone is unintentionally injured, or damage is done to their property, you will be covered by your policy. For instance, if you have a party and a guest slips on the grass breaking their arm, your mobile home insurance policy will cover the injury.

Keep in mind that there are some things that a standard policy will not cover, such as flooding. Make sure you look into optional coverage to ensure your home is fully protected.

Why You Need As Much Protection as You Can Get

Florida is prone to hurricanes and tropical storms each year. Though a mobile home will stand up well to winds and storms, no structure is totally safe from damage. Back in 1994 when Hurricane Andrew hit Florida, insurance companies paid out over $15 billion in damages. However, what is even scarier is that there are estimates that homeowners who were not insured spent more than $50 billion statewide. The question that homeowners have to ask themselves is would they rather spend a small amount of money each month to protect their home or thousands when the next hurricane hits the Sunshine State.

If you are interested in learning more about mobile home insurance in Florida and how it is a necessity for all owners, it is important that you reach out to an insurance company in the area for a quote.