Author Archives: Insurance Innovations

About Insurance Innovations

Leading professional liability agency

Attention Florida Physicians

 

Attention Florida Physicians, Insurance Innovations  can write your malpractice insurance. We have many carriers to choose from and one of these carriers is Physicians Insurance Company.   Physicians Insurance Company is nationally recognized as a preferred physician professional liability program.  Their goal is to provide broad coverage, stable competitive rates, unparalleled service and program discounts to preferred physicians. Because they only insure uniquely selected physicians, your premium dollars are not subsidizing high risk groups or individuals.

 Click here for an online rate indication from Physicians Insurance Company.  

Florida Physicians need something to smile about.

GET AN ONLINE RATE INDICATION TODAY! 

As a Florida Physicians you want a company with years of professional liability experience, Insurance Innovations and Physicians Insurance Company are who you want to protect your practice.  PIC’s underwriting and claims professionals are some of the best in the industry. We can offer you unparalleled service, stable and competitive rates, broad coverage and an aggressive litigation defense should you ever need it.

Keep smiling, it only gets better.

Our program benefits have flexible payment plans with interest free payments, we have 24 hour application turn-around, medical license coverage, HIPAA legal defense, Medicaid/Medicare legal defense coverage, incident sensitive claims trigger, free tail after 5 years of continuous coverage and retirement, cyber liability coverage along with secure web access.

We believe your relationship with us begins at the moment you call for a quote.  You can expect excellent customer service, all accompanying documents within 24 hours of binding your coverage with Physicians Insurance Company.  You can expect to receive an accurate policy, correct no-hassle billing, timely certificate requests and, knowledgeable insurance professionals along with  a carrier that has your best interest at heart.

Obtaining medical malpractice  insurance need not take too much of your valuable time.  When you work with a leader in protecting your practice.  A quick phone call will give you an estimate of premium and additional discounts maybe available with a completed application.

Insurance Innovations is a leader in providing professional liability insurance.  To learn more, contact Insurance Innovations or click here for an online rate indication  where years of proven performance in delivering professional liability insurance means you benefit from an experienced staff ready to answer your questions,  understand your goals and connect you to the policy that fits your needs. Please do not hesitate to call us to speak with a knowledgeable agent at 888-871-9096 Ext 5193.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Dental Malpractice Insurance: It’s Essential

Dentists across the country work tirelessly as patient advocates, to give patients the care they need and educate them about preventive dental procedures. Stories  abound about dental heroes, who do pro bono work, help during crises and do everything they can for their patients. Still, dental malpractice claims are on the rise.

Here are some of the reasons that make it essential for today’s dentist to be covered by dental malpractice insurance, also as known as Dental Professional Liability:

1. Dentists are performing more complex procedures on patients. The number of patients who put off dental treatment, especially preventive care, has greatly increased over the past few years. According to US Census data, 181 million Americans did not visit a dentist in 2010 and the number of people who went to the Emergency Room for dental care nearly doubled from 1.1 million in 2000 to 2.1 million in 2010.

2. Patients who have unreal expectations and/or more complex problems that can’t  be fixed in  one visit, can leave a dentist open to litigation. Even if allegations are unwarranted, having dental malpractice insurance in place, with a carrier who understands the dynamics of dental practice, can reduce the stress of a lawsuit.

3. Patients who are referred to, but don’t follow up for specialty care put many dentists in a difficult position. Malpractice litigation often arises when a dentist fails to refer a patient to a specialist, but suits are also initiated when the dentist, sensitive to the needs of a patient who says they cannot afford specialty care, performs a procedure that is beyond their comfort level. Discussing the need of specialty care with a patient and documenting the discussion can help to avoid malpractice claims.

181 million Americans did not visit a dentist in 2010 and the number of people who went to the Emergency Room for dental care nearly doubled from 1.1 million in 2000 to 2.1 million in 2010.

Dental Professional Liability4. Dentists are seeing more patients who have delayed care and present with complications related to periodontal disease. Nearly half of all adults over age 30 in our country have some form of periodontal disease, according to the CDC. Dentists have been involved in educating their patients about the importance of having healthy teeth and gums, but more education is needed. Patients don’t always recognize the importance of dental health as it relates to their overall health. One of the leading claims against dentists, by patients who initiate malpractice suits, is that they were not treated properly for periodontal disease. Having dental malpractice insurance can mitigate the damage such a claim, whether justified or not, can have on a practice.

5. Many claims stem from a patient’s lack of understanding procedures and prognoses. It does help to have patients sign informed consent forms, but a consent form alone will not guarantee a favorable outcome if the patient does not understand what their treatment involves. Good communication and follow-up documentation goes a long way toward avoiding litigation and having a favorable outcome if litigation is initiated. Even the simple act of telling the patient what you are going to do before you do it can help avoid mistakes.

6. We tend to think of “slip and fall” as something that happens in a supermarket, but slips, falls, cuts and burns can also happen in a dental office. General Liability Insurance can be added to a dentist’s malpractice insurance policy and is essential if a patients complains of a “slip and fall” or other adverse event.

7. The cost of dental care has increased significantly over the years, but the maximum levels of insurance reimbursements have remained the same since the 1960s. It is too soon to tell what impact new health care legislation will have on the public’s access to dental coverage. Allowing a patient’s coverage to dictate care, even if the patient wants to delay treatment because of cost, can be very costly to the dentist. Frankly discussing payment and consequences of delayed treatment, and documenting such a discussion can make the difference between a compliant patient and a complaining patient.

Frankly discussing payment and consequences of delayed treatment, and documenting such a discussion can make the difference between a compliant patient and a complaining patient.

8. If a patient registers a complaint, remember that the Dental Board is required to investigate,  complaints have been brought against even the most caring and skilled dentists and many complaints are without merit. Having Dental Malpractice Insurance means that you have experts to help you respond effectively if a complaint is brought against you.

Insurance Innovations helps dentists get the dental malpractice insurance they need to protect their practice and their finances.


Click Here for an Instant Quote or contact Insurance Innovations today to speak with a dedicated professional.


References:

Avoiding Malpractice. Mitchell J. Gardiner, DMD. Inside Dentistry Nov/Dec 2006, Volume 2 Issue 9. http://www.dentalaegis.com.
Action for Dental Health. American Dental Association. http://www.ada.org.
James Charles Haigh, Ten Ways to Avoid Malpractice Claims, AVVO, www.avo.com.

Travel Agency Errors & Omissions Insurance

Travel Agent Liability Insurance

What is Travel agency E&O Insurance also known as Travel Agency Errors & Omissions Insurance?

 

 

 

Travel agency errors & omissions insurance also known as travel agency E&O, professional liability or malpractice insurance, protects a travel agent and individuals within its company from client claims and/or lawsuits for inadequate work or negligent actions.  No matter how careful you are, or even with the most successful loss control program in place, you will never be able to eliminate the risk of being sued.  The most common risk management technique is risk transfer, and the most common risk transfer mechanism for a Travel Agent or Travel Agency is insurance.

Travel Agency E&O Insurance coverage protects all kinds of travel professionals, such as if a client alleges that they were professionally negligent; failed to perform their professional duties or to fulfill them as promised in their contract; or if their actions of omissions deviate from accepted standards of practice within the travel industry.

Most travel agency E&O Insurance policies have four liability coverage parts with worldwide protection for  qualifying Travel agencies; Tour Operators: Meeting Planners: and Independent Contractors.

  • Coverage A: Bodily Injury and Property Damage Liability, including certain Non-Owned and Hired Aircraft and Watercraft
  • Coverage B: Non-Owned and Hired Auto Liability
  • Coverage C: Professional Liability (Errors & omissions)
  • Personal Injury Liability

Some policies have coverage for Host Liquor Liability (except student operators) and Fire Legal Liability with limits of $50,000.

Most policies had additional enhancements available for extended general liability endorsement for contractual liability and premises medical, additional insureds, prior acts for qualifying companies, travel supplier bankruptcy legal liability and advertising injury liability. Coverage is also available for agency that just need professional liability without any additional enhancements.

Contact us to see what coverages are available for your business today or Request a quote for Travel Agency E&O Insurance from Insurance Innovations.  We can also be reached toll free 1-888-871-9096 Ext 5193.  

All contents provided here are for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.  Always consult your legal counselor or advisor as to the suitability of using this information in your business or practice.

 

Do I Need Travel Agent Insurance (Errors and Omissions)?

travel agent insurance

What malpractice insurance is to doctors, errors & omissions (E&O) insurance is to travel agents. Indeed, travel agent insurance (E&O) should be an integral part of your risk-management program.

Insurance essentially exists to protect you from the unexpected, and few industries experience unexpected events like travel and hospitality.

  •  Some events arise from circumstances beyond your control, from catastrophic weather, cruise ship mishaps and airline delays to a “slip and fall” while on travel.
  •  Conversely, you may be subject to claims of negligence or mistakes within your own services, triggering legal action.

Errors & omissions coverage fills gaps in your protection that general liability doesn’t address.

What is an Error?

Mistakes occur in all professions, and travel is not immune. Imagine booking a flight for a client for the wrong day, or arranging a stay at a hotel that’s closed for renovation. Such errors can not only weaken your reputation, they can trigger legal action should the client wish to prove that the error caused personal or professional damage.

What is an Omission?

Unlike an error, an omission involves a gap in service or professional advice that causes perceived damage. For instance, booking a vacation to an island that is in the path of an oncoming hurricane without informing your client of the risk could be perceived as omission if the client perceives you as an authority.

How Travel Agent Insurance (E&O) Works

Also called professional liability, Travel Agent E&O is designed for professions that provide advice and recommendation as part of their services. Travel agencies fall into this category, as do IT consultants, brokerages, law offices, contracting companies and accounting firms.

A client who holds you or your travel agency personally responsible for perceived negligence or contract disputes tied to your travel services may escalate the complaint to a lawsuit. And even if the claim has no merit, the resulting court action will become very expensive.

  • Your travel agent insurance covers potentially enormous defense costs and negligence awards, as well as personal injury and property damage related to the claim.
  • It does not cover claims tied to false advertising, misquoted pricing, and referrals to doctors.

Finding the Travel Agent Insurance that is Right for You

Obtaining travel agent insurance need not take too much of your valuable time when you work with a leader in protecting travel agencies. Contact us for an application that takes just minutes to complete. .

To learn more, contact Insurance Innovations, where years of proven performance in delivering E&O insurance means you benefit from an experienced staff ready to answer your questions, understand your goals and connect you to the policy that fits your needs and budget best.

Patient Safety – Ten Leading Strategies

Medical Malpractice Insurance

 

 

A report published by the Agency for Healthcare Research and Quality (AHRQ), highlights 10 key principles for increasing patient safety. The report says improvements have been made in certain areas, such as falls, central line infections, and surgical complications.  But it also says we have a long way to go in keeping patients safe.

The 10 strategies that are strongly recommended.

These 10 strategies can greatly improve patient safety and save lives by preventing harmful events such as medication errors, bed sores, and health care-associated infections.

  1. Preoperative  and anesthesia checklists to prevent operative and postoperative events
  2. Bundles that include checklists to prevent central line-associated bloodstream infections
  3. Interventions to reduce urinary catheter use, including catheter reminders, stop orders, or nurse-initiated removal protocols
  4. Bundles that include head-of-bed elevation, sedation vacation,  oral care with chlorhexidine,and subglottic suctioning endotracheal tubes to prevent ventilator-associated pneumonia
  5. Hand Hygiene
  6. The do-not-use list for hazardous abbreviations
  7. Multicomponent interventions to reduce pressure ulcers
  8. Barrier precautions to prevent healthcare-associated infections
  9. Use of real-time ultrasonography for central line placement
  10. Interventions to improve prophylaxis for venous thromboembolisms.

View the full findings on the Infection Control Today (ICT) site.

As a physician, what steps do you currently take to enhance your patient’s safety?

Get a physician’s malpractice quote today.  Or call 888-71-9096 Ext 5193.

Insurance Innovations is a leader in providing medical professional liability insurance.  Our practice is simple:  Provide unmatched service and value for our customers through a quality array of insurance products, programs and expertise.

All contents provided here are for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.  Always consult your legal counselor or advisor as to the suitability of using this information in your business or practice.

Dental Practice Risk Management

 

 

Patient impressions of their dentist are composites of several impressions formed from the moment they determine they need an appointment until the appointment has ended.  There are several factors influencing these opinions that can be controlled to favor a dentist’s overall image and help with your dental practice risk management.

 

 

These include:

  • Be accessibility and available to your patients.
  • Make sure your patients receive a personal greeting and welcome from your office staff.
  • Be willing to communicate with your patients.
  • The efficiency at your office regarding scheduling and arranging referral.
  • The quality and comprehensiveness of the treatment and follow-up you provide your patients.

Dental Practice Risk Management is easier than you think.

Here are some methods to reduce risks associated with dentist office management, the first is to ensure that your reception rooms are clean and furnishings are comfortable.  You should provide reading materials for adults and a few toys for children.  As your patients are coming and going this will make the first and last impression of your office.  Mark exits and bathrooms clearly.  Make sure handrails are available for the elderly patients.  Sometimes a patient will ask to use your telephone, let them.

All Dentists should develop guidelines for professionalism within your office that includes proper dress, attitude, telephone etiquette, and protocols for dealing with patients.  And make sure that waiting patients cannot hear your staff discussing other patients. Post signs that note office hours, procedure to follow in an emergency, and your office privacy policy. Avoid scheduling patients to tightly.  No one likes to wait. Of course there will be times a patient will have to wait a bit longer but if this doesn’t happen at all their visits they will be more understanding. Allow enough time to have adequate discussions with your patients regarding their treatment options. Always keep appointment slots open for emergencies.  Periodically audit patient waiting times and adjust booking protocols accordingly.  Develop patient questionnaires to find out their perceptions of their visits.  Encourage patients to verbalize complaints.

Your dental equipment owned or leased should meet medical community standards. Your equipment should be used and serviced according to the recommendations established by the manufacturer.  It is recommended that your maintain a file for each piece of equipment.  This file should contain the name, serial number, manufacturer’s name, date of purchase, warranties, procedure manual, educational programs provided to staff, service agreements for preventive maintenance and maintenance logs.

Get an online quote today for your Dental Malpractice Insurance. For additional information please contact us at 888-871-9096 Ext 5193 or online hereInsurance Innovations has been in business since 1999, helping medical professionals like you safeguard their careers and providing them with peace of mind.  Our knowledgeable staff is available to answer your questions and provide you with additional information.

All contents provided here are for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.  Always consult your legal counselor or advisor as to the suitability of using this information in your business or practice.

 

 

 

 

 

Dental Malpractice Insurance and Litigation

Dental Malpractice Insurance

Dental Malpractice Lawsuits: A Question of Integrity

When a dentist is sued, it’s not just the dentist’s skills that come into question, it’s also the dentist’s honesty and integrity.

In the infamous case of Dr. Sherri Worth, the “Celebrity Dentist” who was sued for doing a poor job on a patient’s crowns, Dr. Worth’s credibility was as much of a focus of her case as were her skills.

Dr. Worth had a roster of celebrity clients, her work was featured in People Magazine and Cosmopolitan and she had done work on patients for the TV shows, “The Swan” and “Nip/Tuck.”

The Arbitrator of Dr. Worth’s case stated that the patient’s chart had been re-written and that ten cavities the dentist had diagnosed were not verified with x-rays. Adding to her lack of credibility,  was her explanation, when the patient’s chart was to be examined by a document expert, of why much of the patient’s chart had been lost or destroyed. Dr. Worth said that she accidentally spilled Diet Coke on every page that was to be examined by the expert.

Dr. Worth was ordered to pay the patient $641,542.

Dental Malpractice Insurance: Good CommunicationGood Communication May Avoid Litigation

A normal reaction to a dental malpractice lawsuit is to question your treatment of a patient and wonder if you could have done anything differently.

It’s more understandable if a patient has brought a malpractice suit because of a fractured jaw or extraction of the wrong teeth, than if a patient sues because of a minor problem, but minor problems can be amplified if they are not addressed.

Many claims that are brought by patients result from a breakdown of communication. Patients who feel they are not heard, or whose complaints are ignored by their dentist and staff, are more likely to initiate a lawsuit, than a patient whose complaints are addressed.

A patient who is dissatisfied and gets a refund or other resolution of their complaint, is less likely to sue than a patient who feels they have been snubbed. Even if that patient does not return to the practice, it’s still better than having a claim made against you and having to go through the process of a dental malpractice lawsuit.

Patients who feel they are not heard, or whose complaints are ignored by their dentist and staff, are more likely to initiate a lawsuit, than a patient whose complaints are addressed.

Dr. Worth’s case is an interesting study, not just because she is such a high profile dentist, but also because she is a woman. A very low percentage of female dentists are named in litigation. This may be because women have better communication skills than men and spend more time explaining procedures, options and possible complications to their patients.

Not only is good communication between a dentist and patient important, but good communication between a dentist and staff is equally important.

If a patient, or a member of the patient’s family, calls to complain or to ask for medical records, the dentist should be notified and it should be the dentist, not just the staff, who follows-up a complaint.


Insurance Innovations

Of course, it’s not always possible to avoid being named in a lawsuit, but it is possible to mitigate the damage and stress that having a claim made against you can cause.

Even if a claim made against you is unfounded, it still has to be addressed. Having Dental Malpractice Insurance provides you with a team of experts who work for you, so that you can continue to care for your patients with least disruption of your business and personal life.

We have been helping Dental Professionals protect their livelihoods since 1999. Our staff can help you find Dental Malpractice Insurance that fits your needs and is affordable.

Click Here for an Instant Quote or contact Insurance Innovations today for your insurance needs: 888.871.9096.


References:

Courtney Perkes Celebrity dentist loses malpractice case http://www.ocregister.com/articles/worth-356376-valdez-documents.html
Crystal Baxter, DMD, MDS A Review of Dental Negligence http://www.dentistryiq.com/articles/wdj/print/volume-2/issue-8/you-and-your-practice/a-review-of-dental-negligence.html
Daniel L. Orr Dentistry  http://www.ablminc.org/Model_Curriculum_LMME_2010/BOOK_MedMal%20Survival%20Handbook_2007/Ch43-A04438.pdf

Malpractice Insurance-What Physicians Must Know

Physician assistant malpractice insurance

Malpractice Insurance-Do you need it?

Malpractice insurance is a necessary expense because it protects a physician and his practice from having to pay the full cost of legal defense in case a patient or their representatives files a malpractice suit.  Malpractice insurance is also know as medical professional liability insurance.  Very few physicians have the resources available to pay a settlement that can cost hundreds of thousands of dollars plus the legal expenses can cost more or as much as the settlement.

What kind of malpractice insurance policy should I purchase?

Malpractice policies come in 2 different covers, occurrence-based and claims made.  An occurrence policy provides coverage against incidents that occurred during the policy period regardless of when the claim was made.  A claims made policy covers the physicians for any incidents that happened during the policy period as long as the claim is filed during the policy term and within the retroactive date.

Claims made policies are usually less expensive than an occurrence policy.  For this reason a physician purchasing his own malpractice insurance will choose to buy a claims-made policy.  However if a physician knows that he maybe changing employment and malpractice insurance he may want to compare prices of purchasing tail coverage on his claims made policy and the cost of an occurrence policy. The physician can also try and negotiate his retro active coverage as part of his new employment.

Insurance Innovations is a leader in providing malpractice insurance.  Please call us at 888-871-9096 Ext 5193 to speak with a knowledgeable agent.  Or email us at info@insinnovations.com

All contents provided here are for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.  Always consult your legal counselor or advisor as to the suitability of using this information in your business or practice.

Physicians Insurance: Stand Alone Tail Coverage

Physicians Insurance: Stand Alone Tail Insurance

Physicians Insurance that Fills Vital Gaps

It’s no secret that America is a litigious society where people have few hesitations about taking their disputes to court. So for physicians the specter of a malpractice suit, whether it has merit or not, hangs constantly over their practice.

According to statistics from the National Practitioner Data Bank, in 2012 a total of 12,142 malpractice payouts equaled a cash award every 43 minutes. And even if the court finds in favor of the defendant (you), the legal and court fees you incur can be disastrous.

Physicians insurance also known as Medical Professional Liability Insurance (med-mal) is designed to protect your interests in the event of a malpractice suit.

To ensure you have complete protection, opt for physicians stand alone tail coverage. This type of policy provides protection from claims made against you during the years after your claims-made policy has expired. An example of physicians stand alone tail coverage might include a claim made against a physician who has since left your practice, or one against you tied to your past employment.

Physicians stand alone tail coverage fills vital time-related gaps left by claims-made policies.

Peace of Mind for Physicians

Physicians stand alone tail coverage delivers considerable returns on your investment.
You can move freely from one practice to another without losing malpractice coverage.

And in the words of the Student Doctor Network, “the number one reason to buy stand alone tail coverage is to know you have adequate insurance coverage in place for the defense and payment of a potential medical malpractice claim.”

Stand Alone Tail Coverage the Easy Way

With competitive pricing and fast online indications, Insurance Innovations offers you easy access to the physicians stand alone tail coverage best for you. For more than 13 years, this proven insurance agency has partnered with leading insurance carriers to deliver dependable policies geared to each client’s unique needs and budget.

Getting started is simple – click here for an instant quote, or contact Insurance Innovations to speak with a dedicated professional.

Click Here for an Instant Quote