WEDNESDAY, OCTOBER 28, 2020
Every type of commercial insurance is geared to cover a certain danger, and some policies are designed for certain industries and professions. Denturist insurance is one such policy made for those who create dentures. This insurance can protect the business against certain liability and property claims.
A basic denturist insurance policy may include:
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Professional Liability: Professional liability insurance covers professional negligence on behalf of your professionals. For example, if one of your professionals makes a mistake that causes a client to lose money. In this case, professional liability insurance may cover the client’s loss and protect the business against a possible lawsuit.
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Product Liability: Product liability insurance covers bodily injury and property damage that could arise out of a product you provide.
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General Liability: General liability insurance covers bodily injury and property damage that may occur on your business property. This insurance can also cover personal and advertising injury, such as libel, slander, malicious persecution and more.
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Commercial Property: Commercial property insurance protects the physical assets of your business, such as the clinic and its attached structures. It covers damage due to fire, wind, hail, lightning, explosions, theft, vandalism and more.
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Contents Coverage: Contents coverage provides compensation if the contents of your denture clinic are lost or damaged due to fire, wind, hail, lightning, theft, vandalism and more.
You may add coverages to your policy as you need them, such as an umbrella liability insurance that fills in the gaps left by your other liability insurance policies. Certain coverages available include commercial auto insurance and workers compensation. Commercial auto insurance covers vehicles owned or used by the business for work purposes, while workers compensation provides coverage for your employees in case they are injured on the job. This can include medical benefits, misplaced wages and more.
How Much is Denturist Insurance?
Depending on your coverage and policy limits, denturist insurance is relatively inexpensive. The price for this insurance depends on several factors, such as your location, size of the business, coverage limits, deductible, claims history, credit score and more.
Higher coverage limits allow you to cover your business more completely, but it will affect the cost of your policy. If you are not sure how much insurance you need, be sure to speak with an insurance agent. Even businesses in the same industry may need different limits and types of insurance depending on the above factors.
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