Claims-made policies cover claims filed while the policy is active — the incident must have occurred after the retroactive date. When you cancel, you need tail coverage to extend the ...
Workers' comp requirements vary by state: Louisiana requires it at any employee, Alabama, Mississippi, and Tennessee at five or more, Florida at four, and Georgia and North Carolina at three. ...
Tail coverage — technically an "extended reporting period endorsement" — extends the reporting window on a claims-made policy after you cancel or non-renew. Any incident that happened during the policy ...
HIPAA does not name cyber insurance by name, but the Security Rule requires covered entities to implement "reasonable and appropriate" safeguards — and standalone cyber liability is the mechanism practices ...
A general dentist in the Southeast pays $900 to $5,200 per year for standard $1M/$3M limits, depending on state, claims history, and specialty. Mississippi and Tennessee run at the low ...
Yes. A BOP bundles general liability (slip-and-fall in the reception area), business personal property (chairs, digital sensors, cone-beam CT, autoclaves), and business interruption in one policy. Every commercial lease requires ...
Dental practice insurance is a stacked package of six coverages that protects a dental office as a business: professional liability (dental malpractice), a Business Owner's Policy (BOP) covering property and ...
Move up from $1M when any of these are true: your reachable net worth plus five years of after-tax income exceeds $1M, you own rental or short-term rental property, you ...
Yes. Any licensed driver listed as a household resident on the underlying auto policy is automatically covered by the personal umbrella. Because households with teen drivers are statistically the highest-risk ...
It depends on the breed and the specific carrier. Most Southeast personal umbrella carriers exclude bites from a defined list of breeds — commonly Pit Bull, Rottweiler, Doberman, Presa Canario, ...
