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The medical field is known for its unique perils. Doctors, nurses, physician assistants and others who work with patients are arguably more prone to law suits than any other professional. Malpractice suits, as well as errors and mistakes made while caring for or treating patients who are ill (or healthy) are the subject of daily newspaper headlines as well as insurance claims. When it comes to doctors and other professionals treating vision and eye related problems, the risks abound. Like the general practitioner, psychiatrist, allergist, anesthesiologist, surgeon, cardiologist, emergency medicine specialist, endocrinologist and so on, the ophthalmologist, optometrist and optician needs professional liability coverage that is specifically designed to shield him or her from related lawsuits. Each professional in the corrective eye care practice has identifiable risks according to tasks fulfilled. What are they? Ophthalmologist Professional Liability Coverage First off, let us begin with the ophthalmologist. An ophthalmologist is a certified doctor that specializes in the treatment of eye disease, conditions and so on. The role played by an ophthalmologist carries many risks. Though, fortunately, these have been significantly mitigated as a result of recent technological advancements like laser surgery, insurance companies take liability exposure very seriously. Related coverage is written by means of the same standard coverage forms as any doctor, yet each one is rated according to the individual eye physician's level of experience and specialty. Next, we concentrate on the optometrist. Optometrist Professional Liability Coverage Also a medical doctor, the optometrist differs from the ophthalmologist in performance. Having earned his or her doctorate in optometry, also known as OD, the optometrist examines patients' eyes for vision and health matters. Licensed to prescribe corrective medicine and general vision wear, the optometrist will send patients with more complicated problems to the more advanced care of the ophthalmologist. More often than not, the optometrist fits and sells eyeglasses as well as contact lenses. In various states across the country, an optometrist is licensed to perform minor surgery. Optometrists that grind and prepared lenses at their establishments need related insurance as well as professional liability coverage. Finally, the optician comes into this write-up's focus. Optician Professional Liability Coverage Unlike the ophthalmologist and optometrist, the optician is not a medical doctor. Trained in making and providing corrective eye glasses and contact lenses, the optician is likened to a pharmacist in relation to the necessary insurance protection. This type of professional liability policy covers the products the optician supplies in addition to malpractice and errors lawsuit shielding. For more on the matter, speak to a qualified independent insurance agent that understands this industry's unique risk exposure and associated indemnity protection.

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Emergency response teams are there for the community at large in a variety of ways and scenarios. Be it in the event of crime, fire, an earthquake, medical, or any other man made or natural disaster emergency, workers are trained to arrive quickly and administer life-saving aid as well as perform hazard-combating tactics. Everyone involved in disaster response will admit that behind every benefit provided by these heroic emergency services volunteers or employees there lurks an abundance of risks, perils and genuine threats of liability. This reality is precisely the reason why an emergency services company needs insurance coverage - policies that are designed to properly protect the organization as a whole - and each individual member therein. What sort of coverage is necessary? Essential insurance needs include the minimum: • Property losses and damages • Crime-related losses and damages • Losses and damages to transportable equipment • Auto liability and related losses and damages • General Liability • Management Liability • Excess Liability In addition, coverage can include life insurance and associated protection for all staff members. The top insurance companies, however, do more for their clients! With a portfolio designed to assist insureds in risk control, these indemnity providers present programs along with services to this end. Attached to a small price tag or none whatsoever, related risk control is the tool of this generation! Emergency team members can avail themselves of tutorials, seminars and roundtables that discuss and teach how to prepare for each situation life as it is today - and how it will be in the ever changing foreseeable future. This is done by focusing on protection tactics in regard to risk of injury or losses of those served; property; and most of all, emergency staff members - both on a set salary and those participating voluntarily. Programs - what do the tutorials, seminars and roundtables consist of? Number one, they teach and train emergency services insurance customers about safety measures, loss control and necessary skills that their job demands. Besides the associated talks, educational bulletins are distributed and enrichment videos are shown. Number two, workshops are given by experienced instructors that provide a plethora of related information - anything from tips on grant writing to guidelines in establishing community relations. For more on emergency services insurance and the risk control and so on that comes along with policies written by the leaders in the industry, contact a qualified independent agency - an award-winning organization that does direct business with scores of the top companies of indemnity and has the edge in acquiring tailored coverage at competitively lowest quotes!

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Looking for a way to save on your business insurance policy? Commercial institutions that are proactive about risk management face less exposure risks in terms of losses, damages and the liability for them. Moreover, insurance companies are more prone to offer savings and discounts to those companies and non-profits that are involved in risk control. Before implementing risk control, however, it is extremely important to know the basic risk-management principles that include the following: 1. Never risk anything more than you can afford to lay bare. In the event a given loss would cripple your company, don't accept the risk. Rather, transfer that risk to someone else. 2. Never risk too much for an excessively low return. To understand the point, here's an example: by accepting a higher level of deductible on your auto insurance coverage, you may receive only minimal premium savings. 3. Understand the odds of a loss. If the potential for a given loss seems remote, it stands to reason that you may be able to address the exposure a different way than if the potential is more common. In short, it is necessary for you to comprehend how much money, time and equipment is actually at risk. Only then can you determine if you can afford to assume the risk of losses yourself or transfer it to somebody else. And then you must make it a priority to understand where frequent or serious losses are more apt to come from - and address them accordingly. Once you have understood this, choose form these four risk management methods: • Eliminate the exposure. Stopping the sale or distribution of alcoholic beverages in your social hall is an easy way to eliminate your liquor law liability exposure. • Take on the risk yourself. Insurance deductibles are the perfect example of assuming risk. If you don't believe you will have a frequency of losses or if your company has enough financial backup, you may wish to assume a larger deductible - like $1,000 or $2,500 as opposed to a $250 deductible. • Reduce your exposure to risk. You can do this, for example, by using a spotter whenever possible. This will not eliminate the chances of an accident. However, it will reduce the likelihood. • Transfer risks. If a risk exposure cannot be reduced or eliminated and assuming it is too risky, then you should transfer the exposure to a 3rd party. While it's true that insurance is the most common method of transfer of risk, it is by no means the only one. A different method that is commonly used is a hold-harmless agreement or an indemnification clause found in a contract. To understand more on the topic, contact an experienced independent insurance agency that deals with the leading companies in the industry.

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While many view tattoos as an insult to the beauty of the human body, others view it as something that adds color and personal expression to their image. Dating back to ancient times, when Middle Eastern civilization utilized tattoos as a beauty aid and pagan statement, tattoos have seen better and worse publicity. Those faithful to the Old Testament's prohibition of 'defacing' any portion of the body with a tattoo always have been against the practice. Still and all, throughout the years following ancient times, sailors and military men traveling the world over have been distinguished by the blue tattoos adorning their arms, legs and any other body part they chose to set ink into. Modern times has seen tattoo parlors establish themselves within the inner city locales, where those that visited them lived. Yet, recent years have become witness to a steady resurgence and popularity of the body art, prompting tattoo parlors to spring up in all spots of the country - including suburbia USA and small town America. But with the rise of the specific industry, comes the associated liability. Parlors that provide tattoos and even those that also include body piercing face definite risk exposure, among them the major ones: the transmission of blood borne illnesses as well as the risk of allergic reactions suffered by customers as a result of the tattoo procedure or piercing of skin. The leading insurance companies offer coverage for all the exposure to risk, providing a much needed protection for the tattoo parlor owner. Just when the popularity of tattoos has again come of age, so has the regret by some that follows years later after a tattoo. The fact that many adults that have paid for tattoos to be put on their body in their youth wish to remove them is underscored by the services provided by medical clinics and participating doctors. With the wide-spread use of new and highly improved laser technology, physicians now offer tattoo removal that is much less painful than before.The new laser procedures also present a much cheaper option for the patient. Despite this novel medical breakthrough, the ever changing vista of the tattoo business also presents a challenge to completely being able to remove a tattoo. Because of the permanent qualities of the newer dyes as well as the vaster selection of color and hue, it is not always a guarantee that a medical professional will actually be able to comprehensively remove a patient's tattoo. Of course, risks of infection, allergic reaction and any other related peril demand adequate insurance coverage against the potential of lawsuits and claims. This is why professional liability insurance is so necessary in this field of medical care. A qualified insurance agent will be able to discuss this form of indemnity protection in greater deal.

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If you are a business owner, you are exposing yourself to a number of risks. How can you get protection against all these threats? There are so many business insurance policies available in the market, so which ones of these should you buy? We'll walk you through some of the most essential insurance types that your business should have. Professional Liability Insurance The professional liability (also referred to as errors and omissions) insurance protects you against negligence claims, which arise because of failure or mistakes. There is no standard policy that can be applied to every business because concerns vary with each industry and company. Thus, your insurance provider will offer you a customized coverage plan, which will suit your particular needs. Property Insurance Do you own your office or have leased the space? In any case, property insurance is still recommended so you are protected against thefts, storms and fires. The policy does cover your equipment, inventory, furniture and signage, but this usually does not extend to mass destructions incidents like earthquakes or floods. If these are too common in your area, then consult with your insurance provider for an additional policy. Worker's Compensation Have you begun hiring? Time to sign up for worker's insurance policy, which covers medical treatments, disabilities and even death if your employee is injured or dies when doing business work. Your employees may be involved in a low risk work, but general slip and fall incidents and conditions like carpal tunnel syndrome can still occur, resulting in costly claims. Product Liability Insurance If you put your products out in the general markets for sale, then you should get product liability insurance. You may be taking all measures to ensure safe products, but you never know when these can cause damage. In such an event, product liability insurance will cover you, but you may have to get the policy tailored according to specific product types. Commercial Auto Insurance Do you have vehicles for you business? Insure them fully to cover accidents. If your plan is comprehensive, your vehicle will be completely covered, but at the very least, you should still have third party coverage insurance. If your employees use their own cars, then their personal insurance will cover them. The only exception is when they are delivering products or services on your behalf for a price. Business Interruption Insurance Your operations may be hindered in the case of a disaster, during which, you may lose income because your employees won't be able to work from the office or make products. If you have business interruption insurance, you will be compensated for all revenue that is lost. The policy is especially recommended if you have a physical location like a retail store.

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You already know how importance coverage is for your business. Problem is, there are so many providers out there and so many policies to choose from. How would you know which insurance agent or broker to use, and which coverage type to purchase? Ask your agent some of our suggested questions, and use the answers to come to a decision. How much experience do you have? Experience can give you some idea about the insurance provider under consideration. If their years in the industry are limited, they will be eager to get you started and offer more help and support. If they are well established and a number of years in the field. Do you have any references or testimonials? If the insurance provider can show you some references or testimonials, it implies that their clients are happy and satisfied. Keep in mind that most brokers would only give you contact details for happy clients only. So do check the internet as well for online reviews. Who will manage your business? Insurance providers have a support team behind them. While you should know your agent well, it is equally important that you know who else they work with. If there is an emergency and you can't reach out to your agent, you'll have to get help from their team. Also find out if your policy will be handled local or though the headquarters, and the procedure to get the help you need. How long will it take for your problems to be resolved? If your need is urgent, then how quickly should you expect a response? The answer to this question helps you figure out if that is reasonable to you. If you are buying a policy for the first time, you need more questions answered in a timely manner to help speed decisions. Do you offer customized policies? Small businesses often need policies tailored to their personal requirements, but some of the providers won't be willing to flex their plans. If you need a customized policy, you should find a broker who can modify their standard plans according to your needs with the coverage you want, without having to stack policies which adds to costs. Do you assess risks? Even if the agent doesn't get into details, they should still give you some quick suggestions to mitigate risks. And if they are diligent, they may even assess your financial situation and give you advice.