Our Partner Hartford Insurance
In 2016, hundreds more Georgia dentists found competitive, comprehensive coverage thanks to GDA Plus+ Insurance/GDIS and our partner The Hartford. From business policies to worker’s compensation coverage, we can provide high quality, attentive service – and help you consolidate all your policies with one company, endorsed by your Georgia Dental Association.
For more than 30 years, The Hartford has had a team of small business insurance specialists dedicated to serving small businesses such as dental practices. A fortune 500 company, Hartford Insurance counts more than 1 million small business owners who trust them for their insurance needs. Hartford’s claims experience consistently earns industry leading ratings and reviews from our small business insurance customers and our middle and large business clients. In 2016, the Ethisphere® Institute named The Hartford a World’s Most Ethical Company® for the eighth time.
Business Owner's Policy
As practicing professionals and small business owners, many dentists require property and casualty coverage. Through The Hartford, GDIS agents can address your specific concerns, which might include patient records coverage, dental waste disposal, property/equipment coverage, income interruption and more.
At a minimum, most small medical and healthcare practices have a Business Owner’s Policy (BOP). Why? Because it helps protect your business in much the same way that a homeowner’s policy protects your home and personal possessions.
By combining some of the most important coverages small business owners need, including Business Liability, Business Property and Business Income, a BOP can save you money while helping to safeguard what you’ve worked hard to build. It also provides an easy way to purchase optional, additional coverage tailored to your business.
Here is a list of coverages that can be included or endorsed on your business owner's policy.
If you own a practice and have employees, you probably need workers' compensation ("workers' comp") insurance – most states require it. Without it, you may be held personally liable for the cost of your employees' medical care for a work-related injury or illness and even their wages while they’re recovering. Not to mention, some states have laws with fines for failing to purchase coverage.
The laws vary by state, but full-time and part-time employees are generally covered by workers' comp. In some states, business owners, partners and officers must be covered too. Also, keep in mind that the definition of "employee" can vary by state. If you use subcontractors, it’s important to find out whether they’re considered employees. If you've issued your sub, or anyone else, a 1099, they may be eligible for coverage under your workers' comp policy.
Workers' comp provides benefits to your employees for work-related injuries or illnesses. And depending on the state you do business in, it could include medical care, wages from lost work time, rehab, disability benefits and survivor or death benefits. And, if one of your workers gets hurt on the job and their family decides to sue you, workers' comp can help you with related legal fees and more.
Providing workers' comp coverage for more than a century, The Hartford's program sets the standard for value, innovation and injured worker care.
Lessor's Risk Policies
If you own property that is leased to others, whether one small office or a large complex, lessor's risk insurance is a must-have if you wish to adequately protect your investment from litigation as the result of an accident.
Lessor's Risk policies are designed to provide liability and property protection for building owners who lease their building or, in some cases, the policy provides liability and property coverage for building owners who occupy less than 75% of their building and lease out the remainder of the building.
Builder's risk insurance is coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.
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