Dentists
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.
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