I love to work with clients that truly are interested in protecting their business from unforeseen losses. I can’t say that I have a favorite client, but one that comes to mind is Dr. Solomon Cantwell DMD . He is a dentist that is truly dedicated to his customers, his staff, and the growth of his practice. He is committed to keeping up to date with the latest dental technology and making his customers comfortable.  |
| Solomon and Joe in front of the dental office after talking business insurance. |
I have worked with him to make sure his
equipment, liability, and building are all covered properly on his business owners’
policy. In addition, we worked together
to make sure that his employees had the proper coverage in case they were hurt
on the job.
Employee Practices Insurancee (Sexual Harassment Insurance/Wrongful Termination)
We also went over the advantages of two
other types of coverage including Employee Practice Liability Insurance (EPLI)
and Data Breach Insurance. EPLI is a
coverage that is put in place in case an employee sues for wrongful
termination, sexual harassment, or wage disputes. It’s an important coverage that is often
overlooked by many business owners because they don’t know about it or their
agent never offered it. There are
actually more EPLI claims per year than General Liability claims per year in California
Data Breach
The Data Breach Insurance coverage is a relatively new coverage that was
created in order to pay damages caused by loss of client information due to a
breach in security (online or offline). Most
data breach policies cover: notifying your customers of the breach, paying an
organization to monitor clients’ credit, repairing damaged PR, and even paying
government fines for non-compliance. Take a look at California's penal code relating to a breach.Malpractice
Malpractice is for mistakes that the dentist makes when working on a patient. An example would be doing a root canal on the wrong tooth. Most dentists already have this coverage when we start working because it is often a requirement for working as a dentist, but there are many programs that can offer malpractice at competitive rates.
very interesting info
ReplyDeleteHi! I will be looking forward to visit your page again and for your other posts as well. Thank you for sharing your thoughts about insurance company in your area. I am glad to stop by your site and know more about insurance company. Keep it up! This is a good read.
ReplyDeleteIn the insurable interest, the insured typically must directly suffer from the loss. Insurable interest must exist whether property insurance or insurance on a person is involved. The concept requires that the insured have a "stake" in the loss or damage to the life or property insured. What that "stake" is will be determined by the kind of insurance involved and the nature of the property ownership or relationship between the persons. The requirement of an insurable interest is what distinguishes insurance from gambling.
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