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Professionals that are charging a fee for their services, such as doctors, lawyers, architects, or dentists need the protection provided by liability insurance. Dentist professional liability coverage will protect a burgeoning business against legal issues when a suit is brought against a dental practitioner that claims an injury or damages were the result of negligence, or errors and omission, or the failure to render professional services.
Claims of this type made against a dentist can be crippling to his or her business and can have a crippling affect on an employee as well. Guarding against these potential losses is necessary to prevent major financial losses, whether business or personal, by carefully constructing an insurance program designed to afford the best possible professional protection.
Communication is key to avoiding mistakes and errors
How the dentist communicates with patients and staff can have a definite effect on the outcome of many situations that occur daily in the performing of dental work. Early recognition of problem patients is important for risk management. Some patients may exhibit negative traits that may include the following:
- Lengthy care histories from many providers
- Care by former dentists that were dominated primarily by emergency visits
- Constant complaints about past or current care
- Failure to pay for services rendered, and
- Consistently failing to adhere to advice and instructions
These traits are common in many litigious patients. Prudent practitioners who identify these traits early may discharge or not accept these patients. However, when caring for such a patient, be sure to document the care and issues of the problem individual.
When communicating to staff, speak clearly and be certain that directions or procedures are clearly understood. Having a well-documented chart will often dispel confusion and uncertainty. Ensuring that all aspects of patient care are documented in a timely, chronological, consistent, and legible manner is the key. It can help prove that good, quality care had been rendered.
A well-documented chart also outlines all of the dental care administered and provides a clear chronology of events. Any potential basis for a claim can be dispelled when a plaintiff states that care was not properly documented if the charts prove otherwise. Every staff member who writes in the chart must be aware of these issues. Timed, dated, contemporaneous entries detailing the action, care, communication, prescriptions, phone calls, missed appointments, instructions, and refusals with confirmed, approved initials make up a good chart. When mistakes do occur, dentist professional liability coverage will aid in any defense.
The first Baby Boomers to hit 65 years old passed that milestone in 2011 and analysts are warning that this impending demographic shift could likely put a serious drain on the nation’s health resources. Seniors already tend to consume more health care than younger Americans, but Baby Boomers may tend to have more health issues, as well as live longer, than previous generations.
An assisted living facility may require even more health care under these circumstances. Owners may need even more assisted living insurance programs geared to deal with problems related to residents with serious health concerns and the potential issues that can arise regarding injuries and accidents.
Diet, lack of exercise contributes to poorer health and higher insurance costs
With the United States grappling with concerns over the growing rate of chronic diseases like obesity and diabetes, an aging population could soon signal a health care crisis, a report from the United Health Foundation finds. “This is a really important time in our nation’s history for us to take a look at this demographic change and the health and behavior outcomes for this population. If we don’t measure it, we won’t know what to do about it,” Rhonda Randall, one of United Health Foundation’s senior advisers, explained.
As alarming as it may sound, their report found that nearly 8 in 10 seniors are currently living with at least one chronic health condition. And many of those health issues stem from the nation’s ongoing struggle with obesity. About 25 percent of seniors are obese, 20 percent have diabetes, and more than 70 percent have heart disease.
Since obesity rates among those ages 50 to 64 increased 8 percent from 1995 to 2010, the next generation of seniors will likely experience even higher rates. This is a gleaming example of the poor food choices that many people opt to make. Treating those health issues for an aging population won’t come cheap, and we may even see additional exposures for those need to assisted living. With more seniors having weight issues, for example, we may see an increased in slips and falls and other potential exposures
Assisted living insurance programs are designed to protect facilities against liability including premises liability for slips and falls and other similar accidents. Talk to a specialty company that focuses on assisted living insurance to find out how much coverage is needed to properly protect your facility.
As a business owner, property insurance in Florida is likely to be one of your most important purchases. Businesses can spend a great deal of money on these policies because they provide so many essential forms of protection. Before you purchase your new property policy make sure you understand what you are getting.
What You Get From Your Policy
Commercial property insurance in Florida typically applies to any location where business takes place; this can include a building you own or a storefront you lease. Even home businesses can be insured through this line of coverage. Though the particulars of your policy may vary, in generally you can expect commercial property insurance to cover:
- Inventory on shelves and stored in back
- Lawns, fences, fountains, and other landscape features
- Outdoor signage
- Your building
- Indoor and outdoor furniture
- Point of sales systems, computers, scanners, and other equipment
Expanding Your Policy
Though commercial property insurance grants you many valuable forms of coverage, you may find that your chosen policy is not a perfect fit. There may be ways of expanding your policy to encompass certain other items. For instance, building coverage may not initially include all garages, sheds, carports, and other buildings on your property. Though most commercial property policies help protect items belonging to customers and other people, the specifics of this coverage may not be adequate for your needs. Simply talk with your agent to find out how to expand your policy to include all forms of protection you really need.