W.E.Davis Insurance Agency

:: COMMERCIAL PACKAGES

The Dentist's Package Policy

More and more dentists recognize the importance of dealing with local independent insurance agents who will sit down with you to carefully analyze your specific risks. W.E. Davis Insurance offers the Dentist's Package Policy from The Cincinnati Insurance Company. This association endorsed program is for dentists who want coverage designed for your profession, through a flexible policy that our agency can tailor to your individual needs.

Features you'll appreciate.

The Dentist's Package Policy covers your building, business personal property and business liability. It extends coverage for patients' x-rays and records, valuable metals, off-premises personal property and more:

"Special Causes of Loss" coverage with no coinsurance penalty for your building and business personal property.
Definition of business personal property includes tenants improvements and betterments and leased property which you have a contractual responsibility to insure.
Earthquake and flood coverage for business personal property.
Loss of business income protection and extra expense coverage when your practice is interrupted due to a covered claim including loss of off-premises power and water supply services.
Extended income up to 12 months.
Valued daily loss of income - $250 per day for 30 days included. Increased limits are available.
Coverage for gold and silver used in your practice up to $3,000.
Coverage against theft of money up to $10,000 inside the premises and $2,500 outside the premises.
Employee dishonesty protection up to $10,000.
Accounts receivable coverage up to $25,000.
Valuable papers coverage (including x-rays) up to $25,000.
Data processing equipment, data and media coverage up to a total of $10,000.
Business liability coverage of $ 1,000,000 per occurrence.
Bodily injury to others caused by inadequate ventilation of vapors on premises.
Hired and non-owned auto coverage protects your business when employees use their own cars on your behalf.

Professional liability protection.

The W.E. Davis Dentist package policy underwritten by Cincinnati Insurance Company covers you with one of the most complete professional liability programs available. Coverage is on an occurrence basis, which is superior to the more common claims-made coverage. Occurrence coverage protects you against claims arising out of procedures you perform during the policy term - even if the claim is filed after you change insurers, cancel your policy or retire. Prior acts or omissions coverage may be available for those who previously had claims-made coverage. Our agency can explain these important features.

Consider these additional advantages of Cincinnati's professional liability coverage:

"Pure consent" - No claim will be settled without your consent.
Corporation or partnership and employees (other than employed dentists, physicians and nurse anesthetists) are included with separate limits of insurance at no additional cost.
First aid payments up to $5,000 per person.
Locum tenens - Optional coverage that extends coverage to the substitute dentist.
Department of Professional Regulation defense expenses - up to $25,000.
Medical waste expense reimbursement - up to $50,000.
Recent dental graduates are eligible for special discounts.

Know your options.

You can choose from a wide variety of optional coverages as you and our agency custom-fit your policy to your specific needs. Email or call our agency for a coverage checklist for available options and ask about our other products and services:

Business overhead expense coverage, written through The Cincinnati Life Insurance Company, pays the ongoing expenses of a business in the event of the owner/proprietor's disability.

Life insurance for income replacement and retirement planning.

Life insurance can meet a number of your needs:

business continuation plan funding
estate liquidity and family protection
non-qualified retirement plan funding

Equipment leasing and financing. If you have an established practice, we can help with your office computer, medical equipment-even your car.

Your insurance rates won't go up for three or even five full years. *

The Cincinnati Insurance Company prefers to do what many companies refuse to do ... offer three-year, even five-year, rate guarantees on most coverages. This rate stability allows you to budget your insurance expenses.

Email, call or write our agency to find out more about The Cincinnati Insurance Company and our Dentist's Package Policy.

"Special Causes of Loss" means risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.

* - Rates guaranteed for the policy term except professional and employers liability, optional products and services.

This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.