Whims Insurance Agency offers Dentist's Package Policies.  The information below provides some information regarding the package; however, this is not a policy.  Contact Whims Insurance Agency for a complete statement of the coverages and exclusions.

• Professional Liability offers:
  
  • Limits of $100,000/$300,000 and higher
  • Occurrence coverage form
  • No claim settled without your consent (except FL)
  • Coverage for empolyed and independent contractor hygienists and dental assistants as insureds with separate limits
• Business Liability includes:
  • Occurrence trigger for bodily injury and property damage for premises operations and products liability up to $1,000,000** each occurrence
  • Coverage for damage to premises rented to the insured caused by fire, explosion or water, if found legally liable
  • Employees are insureds
• Important Options for Financial Protection
  • Umbrella Liability - An additional layer of protection over your auto, professional and business liability limits, protecting against catastrophic financial losses
  • Employment practice liability*** - Protects employers from claims arising from hiring and other employment-related practices
• Property Protection
  • Includes buildings and structures, plus fixtures (including outdoor fixtures): permanently installed machinery and equipment; permanently installed attached signs, awnings and canopies; building glass and foundations
  • Covers damage due to water backup of sewers, drains, septic systems or sump pumps, up to $25,000 (except FL)
  • Responds to losses from the enforcement of ordinances or laws regulating the demolition or restoration of a damaged building (up to $25,000)**
• Business Personal Property
  • Includes owned property; personal property of others in the policyholder's care, custody or control; tenants' improvements and betterments plus sales samples
  • Includes leased personal property when contractually responsible to insure
  • Covers damage due to change in temperature or humidity
  • Property off premises is covered up to $25,000** while it is at temporary locations, exhibitions, conferences, fairs, in transit in or on a vehicle including loading and unloading
• Additional Property Coverages
  • Electronic data processing property - Covers hardware, software, manuals, duplicate data and peripheral equipment (up to $25,000).**  Includes mechanical breakdown and electrical disturbances within 1,000 feet ($1,000 deductible).  Covers EDP property in transit or off premises
  • Employee dishonesty - $25,000**
  • Money and securities - Pays for loss of money and securities on premises (up to $15,000)** and off premises (up to $5,000)**
  • Outdoor signs (on premises) - $10,000**
  • Personal effects - Includes personal property owned by the insured, insured's partners or employees (a $500 theft limit applies)
  • X-rays and valuable papers and records - Special Causes of Loss,* including flood and earthquake (up to $100,000)**
• Loss of Business Income
  • Pays valued daily loss of income up to $500 per day (up to 30 days)**
  • Pays excess over the valued daily loss for actual loss sustained that is documented (up to 12 consecutive months)
  • Pays the necessary extra expenses incurred following a covered loss to continue operations, based on actual loss sustained (up to 12 consecutive months)

**Coverage may be increased for an additional charge
***Available in most states