Dentists should have regular reviews of their policy and as their business expands, they may need to increase policy limits and eventually, may need an umbrella policy to protect their increasing assets.

Dentists can have longevity with staff when they provide Employee Benefits: Group Life, Group Health and Supplemental Insurance.

We can provide additional information on these insurance products.

Behind the scenes,however, the dental offices differed. Some were properly insured and had a local agent. Others, hadn’t taken the time to review coverages in some time. Had the Dentists employed more staff? Did they buy new equipment? Did they own an umbrella policy?

Business Liability, Non Owned Auto, Business Personal Property, Electronic Data Equipment, Work Comp coverage and even EPLI, protect the Dentist and his assets. 

2012 is a New Year and the perfect time to review the Dentist’s Insurance Package: General Liabilty, Work Comp, Business Income, Non Owned Auto, EPLI. 

My office also provides employee benefits.

I am setting appointments now.   There is no fee for a review.

Call 801.748.0500

Insurance carriers have paid out an unprecedented dollar amount in 2011 which may lead to rate increases for consumers and businesses in those regions.

We hope that 2012 will be an uneventful year for weather disasters.

Small insurance carriers have less financial cushion to withstand a catastrophic event.  While consumers will eventually get their insurance settlement, they have been waiting almost 7 months.

Price isn’t the only consideration when shopping for insurance.  Consider the financial strength of a large insurance company, one with local claims offices.

Meanwhile, AARP has ads warning lawmakers not to cut Medicare. They are reminding Congress there are 50 million Seniors out there.

Seniors who try and navigate their Medicare benefits without an insurance agent, find the choices complex and confusing.

Health Insurance  Agents have had their commissions cut and have less time available to spend with clients.

There is a pattern here: health providers and insurance agents having their incomes reduced to pay for health insurance reform.

Original Medicare has no stop gap, meaning your cost sharing is unlimited.

Most insurance plans have a maximum out of pocket amount you are responsible for each year.  Original Medicare does not.  This is one of many reasons why Seniors choose Medicare Supplements or Medicare Advantage Plans.

Let’s compare this to a consumer with tooth pain. My tooth hurts. I call a Dentist and schedule an appointment.  The Dentist charges me for a consultation. Then,  gives me a diagnosis.  I could visit several Dentists and get several opinions.  Very likely, they will all differ on their plan of treatment.   The Dentist doesn’t try to diagnose the tooth pain over the phone.

As an Insurance Professional, what I do is similar, except there is no initial charge for my consultation.

I interview the health care professional, look over the premises and business property, and devise an insurance program that will protect the business owner’s assets with liability insurance.

There are many types of coverages and to buy an insurance program over the phone without an on site analysis, is like having the Dentist diagnose my tooth pain over the phone.

If you aren’t sure what these  coverages are: tenant improvements, tenant legal liability, non owned auto, EPLI,  consult an Insurance Professional.