Dentists Med Mal and Implied Standards of Care

Professionals in the medical field are held to certain standards of care, and practitioners of dentistry are held to this same standard. Patients may visit a dentist for something as simple as a cleaning and a check up, or they may need extensive dental surgery, or the amount and type of care may lie somewhere in between. Regardless, they expect that their dentist is a trained and experienced individual who understands the intricacies of the types of procedures they perform and trust that they will provide a safe and productive session. But unforeseen problems can arise, and accidents can occur as well.


What constitutes malpractice?


Malpractice occurs when the dentist’s conduct does not meet the standard care required, thereby leading to personal injuries or, in extreme cases, death. Dentist med mal insurance will protect the dentist in the event that a lawsuit is filed and when a judgment is declared against the dentist or someone working in his or her office.


Contrary to popular belief about malpractice cases, it is not always a botched procedure that leads to litigation. Dental malpractice may also result from the dentist failing to do due diligence, or a lack of attention to other related health problems. Dental negligence and/or malpractice can include any of the following:


  • Insufficient diagnosis or non-treatment of a disease


  • Insufficient treatment of a disease


  • Jaw fracture or other injuries resulting from extractions


  • Infections resulting from treatment or unsanitary tools


  • Improper usage of dental equipment, such as implants, drills and dental lasers


  • Permanent or temporary lingual nerve injury, including tongue and inferior alveolar nerve damage


  • Numbness that becomes permanent


  • Neglecting to inform or update patient on treatment procedure and related risks


  • Marred root canals, implants or dental bridges, and infection resulting from those procedures


  • Osteoradionecrosis following dental extractions in an irradiated jaw


  • Faulty restorations leading to tooth loss, and


  • Improper use of anesthesia causing complications or death


The list of potential concerns for a dental practitioner is extremely long. This merely illustrates the scope of problems that exist for anyone working in the field of dentistry. Any treatment exceeding the scope of consent, or treatment by unlicensed dentists is also grounds for a lawsuit. Negligence on the part of dental professionals, including nurses and assisting attendants can create temporary or sometimes permanent injuries.


With so much inherent risk involved in the daily procedures of dental professionals, comprehensive dentist med mal coverage is certainly something that no dentist should be without.


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Remember Jamzilla? Avoid the Century Crunch!

A lot of the staff at Joomla3 Template work around the globe, but there’s one constant: We’re all tied to California in some way.

I personally remember landing in Los Angeles just in time for something the locals called ‘Jamzilla’. It was horrible. I mean even the ‘regular’ traffic was already horrible. It’s then that I realized why Californians call freeways by “the”. If I was on a road for 1/4 of my day, I’d start revering the stuffing out of my roads too. They deserve to be called “the”.

But I digress.

My colleague is headed out to LA tonight just in time for a horrible construction-related traffic jam called the “Century Crunch” and worst of all: It’s right next to the LAX Airport. Why would anyone be so cruel?

Apparently its for some light rail. Public transportation is sorely needed so it’s a good step for a city that barely considers anything outside of getting into the car as transportation.

Make sure your taxi’s avoid the 405 freeway. Don’t let the meter blow all your night-out money.


The Federation of Insured Dog Owners Provides a Great Coverage Option

Federation of Insured Dog Owners in Florida

By properly training your dog to obey your commands you will lessen the possibility of it attacking or biting someone. Making the animal feel comfortable around family, friends and strangers will also make the dog less apt to suddenly feel the need lash out, unprovoked. Also, instructing children, as well as adults, not to disturb the animal when it is eating or sleeping is another step in prevention. The Florida Federation of Insured Dog Owners is a great choice when insuring against unwarranted attacks by your beloved pet.

The Florida Federation of Insured Dog Owners (F.I.D.O.) is an organization that was created to offer liability insurance coverage for all types and breeds of dog. It became the focus of commercial lines insurance agent (and dog owner) Debbie Turner when she began her search for a policy for her dog back in 2000. Through her frustration with the process she came up with the idea for a new personal lines insurance option specifically for dog owners.


F.I.D.O. was born


Ms. Turner named the company F.I.D.O. and her unique policy provided a much-needed niche market for a product that provides valuable liability coverage for pet owners at an affordable price. While most homeowners and renters insurance will cover liability for dog bite, if you are insured under your home insurance policy you may find that your policy may provide inadequate limits in the event that someone is actually bitten and injured by your pet.


F.I.D.O.’s Covered Canine Liability insurance policy will protect pet owners should their dog’s bite cause bodily injury. Policies start as low as $75 per year, per dog (plus an annual membership fee to F.I.D.O.) making it somewhat unique, as it is an affordable stand-alone policy that provides sufficient protection. F.I.D.O.’s value extends beyond the affordable price because it provides coverage for many breeds like Pit Bulls, Rottweilers, German Shepherds and Doberman Pinschers; dogs often deemed to be difficult or menacing.


Both training and familiarity can reduce dog attacks


By properly training your dog to obey your commands you will lessen the possibility of it attacking or biting someone. Making the animal feel comfortable around family, friends and strangers will also make the dog less apt to suddenly feel the need lash out, unprovoked. Also, instructing children, as well as adults, not to disturb the animal when it is eating or sleeping is another step in prevention. The Florida Federation of Insured Dog Owners is a great choice when insuring against unwarranted attacks by your beloved pet.


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Work Injuries and Nursing Homes Workers Compensation

Nursing Homes Workers Compensation

Nursing homes can be found in every state across the US. Because many of the jobs that are associated with the nursing home industry require the ability to lift patients in and out of bed, this is a cause of concern when it comes to the likelihood that caregivers may experience back injuries do to the nature of the work required.

Nursing homes can be found in every state across the US. Because many of the jobs that are associated with the nursing home industry require the ability to lift patients in and out of bed, this is a cause of concern when it comes to the likelihood that caregivers may experience back injuries do to the nature of the work required.


Unfortunately, some patients lack the necessary mobility to even get from their bed to the restroom, and in the case of those that are overweight, the strain of heavy lifting can lead to anything from a minor back strain to an injury serious enough to require surgery.


Workers are often required to wear back braces in the course of duty, but while this may help, in extreme cases it just isn’t enough. Equipment, such as mechanical lifts and friction reducing devices, decrease both the frequency and severity of injuries, lowering the amounts of claims for nursing homes workers compensation.


Safety must be emphasized in nursing homes to protect staff


Safety must always be a priority. This is accomplished with regular safety training meetings and reviews of problem areas. Physical hazards and causes of injury to nursing home employees include:


  • Lifting and moving of patients


  • Musculoskeletal injuries


  • Slips, trips and falls, and


  • Being accidentally stuck with a needle


Medical care for these types of work injuries is readily available due to the fact that most states require all businesses to carry workers comp insurance. While minor work-related injuries, including cuts, bruises and abrasions can be treated by the on-staff nurse or by other nurses on duty, for more severe injuries, treatment should be immediately sought at local medical facilities.


The cost of indemnity benefits for nursing homes workers compensation injuries average approximately the same as workers comp benefits for all industries. Don’t be caught without adequate amounts of coverage. Speak to a reputable agent about any concerns or questions.


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Commercial Autos, Trucks and Business Auto Rating

Most business administrators understand how a commercial auto insurer calculates the premiums it charges for auto liability and physical damage coverages, noting that there are certain variables in determining the rates charged for automobiles used for commercial business purposes. Most insurers follow the commercial business auto rating procedures established by the Insurance Services Office (ISO). The following is a summary of just what factors come into play when deciding what rates to apply.


Ratings by territory


Rating territories reflect differences in risk, which is why the rates in one territory may be higher or lower than those charged in another. Insurers, or rating agencies, will most likely divide states into subdivisions, which are called rating territories. These rating territories differ from each other based on particular characteristics. For example, one territory may be in large part rural, while another is considered metropolitan. Similarly, rates will also differ for a territory that is located near a coastline, as opposed to another territory that is located inland.


Fleet versus non-fleet rates


Under most commercial auto policies, vehicles rates are subject to either fleet or non-fleet status. In most scenarios, the fleet rates will be typically lower than non-fleet rates. A fleet normally consists of five or more “self-propelled” autos. Because a trailer is not self-propelled they are not a determining factor.


Size class another determining factor


The two basic types of vehicles used for business are private passenger cars and trucks, which includes tractors and trailers. Vehicles in the latter category are subdivided into size classes based on gross vehicle weight (GVW), which is simply the weight of the truck when loaded to its capacity with both, people and cargo.


Depending on its GVW or gross combination weight (GCW), a truck might be classed as light, medium, heavy or extra-heavy. For example, a small pick-up truck is generally classified as a light truck, while a large moving or freight truck, will be classified as an extra-heavy truck. The table below shows how the trucks weight determines its class:


Size Class Gross Vehicle Weight (GVW)
Light Truck Up to 10,000 lbs
Medium Truck 10,001 to 20,000
Heavy Truck 20,001 to 45,000
Extra Heavy Truck Over 45,000
Heavy Truck-Tractor Up to 45,000 (GCW)
Extra Heavy Truck-Tractor Over 45,000 (GCW)


The uses of the vehicles, as well as the radius (miles traveled on a daily basis), are two more factors ratings agencies use for deciding what rates may apply. Business auto rating is a very complex process, but it is perhaps the best way to decide on the proper rates to charge based on vehicle class and usage.


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Choosing a Commercial Package Policy in Maryland

As a business owner who owns a mid to large-sized business operating in the great state of Maryland, you have enough to worry about with operations, deadlines, customer satisfaction, and employee retention, without adding insurance to the list. While you can buy several different, essential policies that no smart businessman would go without, a commercial package policy in Maryland can be issued to include almost any type of coverage offered, from property and liability to auto, crime, inland marine and professional liability.


Packaging coverages not only allows for great flexibility to determine which policy to choose, and one specifically designed for the needs of your organization, it also enables you to have almost all of your coverage in one convenient package. That means you only have to deal with one insurer when a claim for any of those issues occurs.


Partnering with the right insurer is important. Someone who can analyze the amount of risk you might typically face in order to determine what type of liability coverages you need, as well as the amount of coverage (any current coverage amount you have may be inadequate for the types of risks your business faces), which is tantamount to your remaining successful.


Look at coverage for additional exposures


You may also need to have adequate protection from other exposures you may face, and depending on the particular type of business, you should probably include additional types of liability coverage protection. You may benefit by including:


  • Pollution Liability


  • Directors & Officers


  • Professional Liability


  • Employment Practices Liability


  • Umbrella/Excess Liability, to name a few


You need to consider the possibility that there may be gaps in coverage that you are unaware of. It may be determined that increased policy limits, broader coverage, or other additions are appropriate to ensure you have a truly comprehensive Maryland commercial package policy.


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Why Get Bailee Liability Insurance?

Bailee Valet Parking Sign

When in possession of others assets, it is always important to ensure that the liability an individual or company has for those assets.

When in possession of others assets, it is always important to ensure that the liability an individual or company has for those assets. This is where bailee liability insurance comes into play.


Bailee liability insurance covers the legal liability that comes from damage or destruction of someone else’s property while it is temporarily under the care of an individual.


Many businesses assume that traditional business insurance policies cover all properties, including those that aren’t owned by said business. However, because the property belongs to others, it traditionally isn’t covered by a standard policy. Bailee liability insurance, however, is the answer to these potential gaps in coverage.


Unlike some other types of business liability insurance, bailee liability insurance has the benefit of covering the assets and property during the entire tenure that it is under that company’s possession, including when it is on or in transit to and from the person who temporarily has control of the property, also known as the bailee.


This means that this type of insurance in an invaluable asset to many companies, such as freight companies that are delivering customers’ goods, banks that hold bonds, storage companies where many people tend to store their furniture, files, and potentially other valuables, or even kennels or a horse ranch individuals will leave their pets for an extended stay.


While the cost is potentially greater for this type of coverage, the potential loss if that coverage is not in place might be even greater, which makes the investment worth it in the long run, especially for smaller businesses or entities who aren’t making as much capital as some of the larger businesses.


Under a contract, the bailee has certain rights such as being able to retain and use the property that they are entrusted with. However, the bailee also has a large number of responsibilities in order to ensure minimal negligence or carelessness on their part. Any gross negligence on their part will result in a gap in coverage by their insurance.


In the long run though, having this insurance can only benefit everyone involved because it protects all parties from liability claims, which can only encourage more companies to take on the role of a bailee when an individual or group needs to retain those types of services.


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What to Look for in a Commercial Lines Rating System

Rating systems are a very important aspect of business for managing general agencies, insurance carriers, and program administrators. With a number of systems available, it is vital that a company is able to differentiate between the varieties of available systems to find the best possible fit for their needs. When evaluating a commercial lines rating system, one of the most important considerations should be the versatility that is offered, as the system should be able customize the many unique needs of a company, including:


  • Classes
  • Coverage
  • Requirements


Versatility Should Always Be a Primary Consideration


Every company has unique features that require a commercial lines rating system to be customizable. Having this sort of versatility is a necessity when making the selection of a system, as this allows the company to distinguish between managing general agencies, insurance carriers, and program administrators. It also may allow a company to customize rates or LCMs that are carrier-specific, while also providing the ability to customize coverage options or variances in algorithms. Systems that are customizable in this way allow companies and brokers to be more productive due to the extremely efficient nature of the system. Clearly, choosing the proper commercial lines rating system can have a major impact. Finding an ideal system that is versatile and easily customizable is important for any business in the industry.


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Why Your Business Needs Directors and Officers Insurance

Legal disputes can be quite costly, especially when they involve business operations. Directors and Officers insurance can help protect businesses against legal disputes stemming from wrongdoing. Without such insurance in place, a business can be subject to devastating consequences resulting from lawsuits, which in some cases are enough to leave an enterprise in financial ruin.

Protect Valuable Team Members From Legal Woes

When it comes to business, legal claims can result from a number of issues. Those most vulnerable are the directors of a company, whose personal assets may be at stake without the proper protections in place. For this reason, Directors and Officers insurance is crucial to securing the interests of those members of a company who are the most valuable.

Costly Lawsuits Can Derail an Operation

Another factor in legal disputes regards the costs of launching a defense. Such defenses can require large amounts of money that many smaller and mid-range businesses just don’t have the budget for. These costs can contribute to the decline of a business over time, especially if court proceedings are lengthy affairs.

By initiating Directors and Officers insurance before a lawsuit occurs, you can rest assured that your businesses interests will remain protected. Not only will this save money, it can also protect directors from incurring fallout originating from claims made against them. This is crucial for keeping a business secure and successful for the long-term.


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Three Signs of a Great Windham CT Insurance Company

When you are in the market for a specific type of insurance coverage, there are some things you should look for in a Windham CT insurance company. Choosing the right insurance agency is the first step in choosing the right policy. The following are three signs that will lead you to the best company for you:


  1. Options – When it comes to the type of insurance coverage you need, you should seek a company with a lot of options. Perhaps you own a company and need coverage for personal use and business use. Within that, you might need it broken down into auto coverage, workers compensation, homeowners insurance, and more. Options show that the insurance company is committed to covering all their bases, and yours too.
  2. Professionals – When you speak to a representative from an insurance agency, you can generally tell right off the bat if they are professionals at what they do. Do they have a prompt answer to all your questions? Do they have information readily available? Is their office in a clean and convenient area?
  3. Experience – An insurance company with years of experience will typically know what makes a good policy for any given situation. With years in the business, they should be able to put together a plan that will benefit you the most.


In the insurance industry, it is important that you find the company that will put your best interest ahead of their own. By finding a Windham CT insurance company with options and experienced professionals, you will be doing yourself a favor in the long run.

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